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$76,944
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,337
−HK$2,432/mo
Today · 4.125%
HK$81,769
baseline
▲ 0.50% · 4.625%
HK$86,745
+HK$4,976/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$163,538/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,599
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,895
−HK$2,329/mo
Today · 4.125%
HK$90,224
baseline
▲ 0.50% · 4.625%
HK$94,980
+HK$4,756/mo
Deposit HK$16.87M · loan HK$16.87M · min. income ≈ HK$180,448/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,333
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$95,205
−HK$2,918/mo
Today · 4.125%
HK$98,123
baseline
▲ 0.50% · 4.625%
HK$104,093
+HK$5,970/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$196,246/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,434,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,719
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$105,474
−HK$2,795/mo
Today · 4.125%
HK$108,269
baseline
▲ 0.50% · 4.625%
HK$113,976
+HK$5,707/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$216,538/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,434,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,722
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$111,072
−HK$3,405/mo
Today · 4.125%
HK$114,477
baseline
▲ 0.50% · 4.625%
HK$121,442
+HK$6,965/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$228,954/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,839
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$123,053
−HK$3,261/mo
Today · 4.125%
HK$126,314
baseline
▲ 0.50% · 4.625%
HK$132,972
+HK$6,658/mo
Deposit HK$10.12M · loan HK$23.62M · min. income ≈ HK$252,628/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,499
−HK$8,685/mo
▼ 0.25% · 3.875%
HK$142,807
−HK$4,377/mo
Today · 4.125%
HK$147,184
baseline
▲ 0.50% · 4.625%
HK$156,140
+HK$8,956/mo
Deposit HK$3.37M · loan HK$30.37M · min. income ≈ HK$294,368/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,079
−HK$8,324/mo
▼ 0.25% · 3.875%
HK$158,211
−HK$4,192/mo
Today · 4.125%
HK$162,403
baseline
▲ 0.50% · 4.625%
HK$170,964
+HK$8,561/mo
Deposit HK$3.37M · loan HK$30.37M · min. income ≈ HK$324,806/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,103 · Scale 2, in force from 26 Feb 2026)