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$79,909
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,395
−HK$2,525/mo
Today · 4.125%
HK$84,920
baseline
▲ 0.50% · 4.625%
HK$90,087
+HK$5,167/mo
Deposit HK$17.52M · loan HK$17.52M · min. income ≈ HK$169,840/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,489,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,898
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,282
−HK$2,419/mo
Today · 4.125%
HK$93,701
baseline
▲ 0.50% · 4.625%
HK$98,640
+HK$4,939/mo
Deposit HK$17.52M · loan HK$17.52M · min. income ≈ HK$187,402/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,489,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,891
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$98,874
−HK$3,030/mo
Today · 4.125%
HK$101,904
baseline
▲ 0.50% · 4.625%
HK$108,105
+HK$6,201/mo
Deposit HK$14.02M · loan HK$21.03M · min. income ≈ HK$203,808/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,489,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,678
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$109,539
−HK$2,902/mo
Today · 4.125%
HK$112,441
baseline
▲ 0.50% · 4.625%
HK$118,368
+HK$5,927/mo
Deposit HK$14.02M · loan HK$21.03M · min. income ≈ HK$224,882/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,489,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,873
−HK$7,015/mo
▼ 0.25% · 3.875%
HK$115,353
−HK$3,535/mo
Today · 4.125%
HK$118,888
baseline
▲ 0.50% · 4.625%
HK$126,122
+HK$7,234/mo
Deposit HK$10.51M · loan HK$24.53M · min. income ≈ HK$237,776/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,489,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,457
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$127,795
−HK$3,386/mo
Today · 4.125%
HK$131,181
baseline
▲ 0.50% · 4.625%
HK$138,096
+HK$6,915/mo
Deposit HK$10.51M · loan HK$24.53M · min. income ≈ HK$262,362/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,489,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,836
−HK$9,020/mo
▼ 0.25% · 3.875%
HK$148,311
−HK$4,545/mo
Today · 4.125%
HK$152,856
baseline
▲ 0.50% · 4.625%
HK$162,157
+HK$9,301/mo
Deposit HK$3.50M · loan HK$31.54M · min. income ≈ HK$305,712/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,489,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,017
−HK$8,645/mo
▼ 0.25% · 3.875%
HK$164,308
−HK$4,354/mo
Today · 4.125%
HK$168,662
baseline
▲ 0.50% · 4.625%
HK$177,552
+HK$8,890/mo
Deposit HK$3.50M · loan HK$31.54M · min. income ≈ HK$337,324/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,489,367 · Scale 2, in force from 26 Feb 2026)