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$74,269
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,579
−HK$2,347/mo
Today · 4.125%
HK$78,926
baseline
▲ 0.50% · 4.625%
HK$83,729
+HK$4,803/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,852/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,623
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$84,839
−HK$2,248/mo
Today · 4.125%
HK$87,087
baseline
▲ 0.50% · 4.625%
HK$91,678
+HK$4,591/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,174/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,123
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$91,895
−HK$2,816/mo
Today · 4.125%
HK$94,711
baseline
▲ 0.50% · 4.625%
HK$100,474
+HK$5,763/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$189,422/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,148
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,807
−HK$2,698/mo
Today · 4.125%
HK$104,505
baseline
▲ 0.50% · 4.625%
HK$110,013
+HK$5,508/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$209,010/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,977
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$107,211
−HK$3,286/mo
Today · 4.125%
HK$110,497
baseline
▲ 0.50% · 4.625%
HK$117,220
+HK$6,723/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$220,994/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,673
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$118,775
−HK$3,147/mo
Today · 4.125%
HK$121,922
baseline
▲ 0.50% · 4.625%
HK$128,349
+HK$6,427/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$243,844/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,684
−HK$8,383/mo
▼ 0.25% · 3.875%
HK$137,842
−HK$4,225/mo
Today · 4.125%
HK$142,067
baseline
▲ 0.50% · 4.625%
HK$150,712
+HK$8,645/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$284,134/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,722
−HK$8,035/mo
▼ 0.25% · 3.875%
HK$152,711
−HK$4,046/mo
Today · 4.125%
HK$156,757
baseline
▲ 0.50% · 4.625%
HK$165,020
+HK$8,263/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$313,514/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,244 · Scale 2, in force from 26 Feb 2026)