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$77,576
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$79,990
−HK$2,451/mo
Today · 4.125%
HK$82,441
baseline
▲ 0.50% · 4.625%
HK$87,458
+HK$5,017/mo
Deposit HK$17.01M · loan HK$17.01M · min. income ≈ HK$164,882/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,445,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,303
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,618
−HK$2,348/mo
Today · 4.125%
HK$90,966
baseline
▲ 0.50% · 4.625%
HK$95,761
+HK$4,795/mo
Deposit HK$17.01M · loan HK$17.01M · min. income ≈ HK$181,932/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,445,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,092
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$95,987
−HK$2,942/mo
Today · 4.125%
HK$98,929
baseline
▲ 0.50% · 4.625%
HK$104,949
+HK$6,020/mo
Deposit HK$13.61M · loan HK$20.41M · min. income ≈ HK$197,858/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,445,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,564
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$106,341
−HK$2,818/mo
Today · 4.125%
HK$109,159
baseline
▲ 0.50% · 4.625%
HK$114,913
+HK$5,754/mo
Deposit HK$13.61M · loan HK$20.41M · min. income ≈ HK$218,318/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,445,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,607
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$111,985
−HK$3,433/mo
Today · 4.125%
HK$115,418
baseline
▲ 0.50% · 4.625%
HK$122,441
+HK$7,023/mo
Deposit HK$10.21M · loan HK$23.81M · min. income ≈ HK$230,836/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,445,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,824
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$124,065
−HK$3,287/mo
Today · 4.125%
HK$127,352
baseline
▲ 0.50% · 4.625%
HK$134,065
+HK$6,713/mo
Deposit HK$10.21M · loan HK$23.81M · min. income ≈ HK$254,704/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,445,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,638
−HK$8,756/mo
▼ 0.25% · 3.875%
HK$143,981
−HK$4,413/mo
Today · 4.125%
HK$148,394
baseline
▲ 0.50% · 4.625%
HK$157,424
+HK$9,030/mo
Deposit HK$3.40M · loan HK$30.62M · min. income ≈ HK$296,788/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,445,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,346
−HK$8,392/mo
▼ 0.25% · 3.875%
HK$159,512
−HK$4,226/mo
Today · 4.125%
HK$163,738
baseline
▲ 0.50% · 4.625%
HK$172,369
+HK$8,631/mo
Deposit HK$3.40M · loan HK$30.62M · min. income ≈ HK$327,476/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,445,891 · Scale 2, in force from 26 Feb 2026)