The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$75,807
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,165
−HK$2,396/mo
Today · 4.125%
HK$80,561
baseline
▲ 0.50% · 4.625%
HK$85,463
+HK$4,902/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$161,122/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,412,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,335
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,597
−HK$2,294/mo
Today · 4.125%
HK$88,891
baseline
▲ 0.50% · 4.625%
HK$93,577
+HK$4,686/mo
Deposit HK$16.62M · loan HK$16.62M · min. income ≈ HK$177,782/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,412,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,969
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$93,799
−HK$2,874/mo
Today · 4.125%
HK$96,673
baseline
▲ 0.50% · 4.625%
HK$102,556
+HK$5,883/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$193,346/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,202
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$103,916
−HK$2,754/mo
Today · 4.125%
HK$106,670
baseline
▲ 0.50% · 4.625%
HK$112,292
+HK$5,622/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$213,340/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,412,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,130
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$109,432
−HK$3,354/mo
Today · 4.125%
HK$112,786
baseline
▲ 0.50% · 4.625%
HK$119,648
+HK$6,862/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$225,572/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,412,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,069
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$121,236
−HK$3,212/mo
Today · 4.125%
HK$124,448
baseline
▲ 0.50% · 4.625%
HK$131,008
+HK$6,560/mo
Deposit HK$9.97M · loan HK$23.27M · min. income ≈ HK$248,896/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,412,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,453
−HK$8,557/mo
▼ 0.25% · 3.875%
HK$140,698
−HK$4,312/mo
Today · 4.125%
HK$145,010
baseline
▲ 0.50% · 4.625%
HK$153,834
+HK$8,824/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$290,020/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,803
−HK$8,201/mo
▼ 0.25% · 3.875%
HK$155,874
−HK$4,130/mo
Today · 4.125%
HK$160,004
baseline
▲ 0.50% · 4.625%
HK$168,438
+HK$8,434/mo
Deposit HK$3.32M · loan HK$29.92M · min. income ≈ HK$320,008/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,412,918 · Scale 2, in force from 26 Feb 2026)