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$78,825
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,276
−HK$2,492/mo
Today · 4.125%
HK$83,768
baseline
▲ 0.50% · 4.625%
HK$88,865
+HK$5,097/mo
Deposit HK$17.28M · loan HK$17.28M · min. income ≈ HK$167,536/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,469,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,692
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,043
−HK$2,386/mo
Today · 4.125%
HK$92,429
baseline
▲ 0.50% · 4.625%
HK$97,301
+HK$4,872/mo
Deposit HK$17.28M · loan HK$17.28M · min. income ≈ HK$184,858/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,469,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,589
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$97,532
−HK$2,989/mo
Today · 4.125%
HK$100,521
baseline
▲ 0.50% · 4.625%
HK$106,637
+HK$6,116/mo
Deposit HK$13.83M · loan HK$20.74M · min. income ≈ HK$201,042/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,230
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,052
−HK$2,863/mo
Today · 4.125%
HK$110,915
baseline
▲ 0.50% · 4.625%
HK$116,762
+HK$5,847/mo
Deposit HK$13.83M · loan HK$20.74M · min. income ≈ HK$221,830/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,354
−HK$6,921/mo
▼ 0.25% · 3.875%
HK$113,787
−HK$3,488/mo
Today · 4.125%
HK$117,275
baseline
▲ 0.50% · 4.625%
HK$124,410
+HK$7,135/mo
Deposit HK$10.37M · loan HK$24.20M · min. income ≈ HK$234,550/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,469,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,768
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$126,061
−HK$3,340/mo
Today · 4.125%
HK$129,401
baseline
▲ 0.50% · 4.625%
HK$136,222
+HK$6,821/mo
Deposit HK$10.37M · loan HK$24.20M · min. income ≈ HK$258,802/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,469,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,884
−HK$8,898/mo
▼ 0.25% · 3.875%
HK$146,298
−HK$4,484/mo
Today · 4.125%
HK$150,782
baseline
▲ 0.50% · 4.625%
HK$159,956
+HK$9,174/mo
Deposit HK$3.46M · loan HK$31.11M · min. income ≈ HK$301,564/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,845
−HK$8,528/mo
▼ 0.25% · 3.875%
HK$162,078
−HK$4,295/mo
Today · 4.125%
HK$166,373
baseline
▲ 0.50% · 4.625%
HK$175,142
+HK$8,769/mo
Deposit HK$3.46M · loan HK$31.11M · min. income ≈ HK$332,746/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,152 · Scale 2, in force from 26 Feb 2026)