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$73,717
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,010
−HK$2,330/mo
Today · 4.125%
HK$78,340
baseline
▲ 0.50% · 4.625%
HK$83,107
+HK$4,767/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,680/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,373,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,009
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,209
−HK$2,231/mo
Today · 4.125%
HK$86,440
baseline
▲ 0.50% · 4.625%
HK$90,997
+HK$4,557/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,880/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,373,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,460
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$91,212
−HK$2,796/mo
Today · 4.125%
HK$94,008
baseline
▲ 0.50% · 4.625%
HK$99,728
+HK$5,720/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$188,016/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,373,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,411
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$101,051
−HK$2,677/mo
Today · 4.125%
HK$103,728
baseline
▲ 0.50% · 4.625%
HK$109,196
+HK$5,468/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$207,456/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,373,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,204
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$106,414
−HK$3,262/mo
Today · 4.125%
HK$109,676
baseline
▲ 0.50% · 4.625%
HK$116,349
+HK$6,673/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$219,352/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,813
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$117,892
−HK$3,124/mo
Today · 4.125%
HK$121,016
baseline
▲ 0.50% · 4.625%
HK$127,395
+HK$6,379/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$242,032/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,691
−HK$8,321/mo
▼ 0.25% · 3.875%
HK$136,818
−HK$4,194/mo
Today · 4.125%
HK$141,012
baseline
▲ 0.50% · 4.625%
HK$149,592
+HK$8,580/mo
Deposit HK$3.23M · loan HK$29.10M · min. income ≈ HK$282,024/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,617
−HK$7,975/mo
▼ 0.25% · 3.875%
HK$151,576
−HK$4,016/mo
Today · 4.125%
HK$155,592
baseline
▲ 0.50% · 4.625%
HK$163,794
+HK$8,202/mo
Deposit HK$3.23M · loan HK$29.10M · min. income ≈ HK$311,184/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,957 · Scale 2, in force from 26 Feb 2026)