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$77,118
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,516
−HK$2,438/mo
Today · 4.125%
HK$81,954
baseline
▲ 0.50% · 4.625%
HK$86,940
+HK$4,986/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$163,908/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,793
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,093
−HK$2,335/mo
Today · 4.125%
HK$90,428
baseline
▲ 0.50% · 4.625%
HK$95,194
+HK$4,766/mo
Deposit HK$16.91M · loan HK$16.91M · min. income ≈ HK$180,856/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,437,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,541
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,420
−HK$2,924/mo
Today · 4.125%
HK$98,344
baseline
▲ 0.50% · 4.625%
HK$104,328
+HK$5,984/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$196,688/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,951
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,712
−HK$2,801/mo
Today · 4.125%
HK$108,513
baseline
▲ 0.50% · 4.625%
HK$114,233
+HK$5,720/mo
Deposit HK$13.53M · loan HK$20.29M · min. income ≈ HK$217,026/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,437,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,965
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$111,323
−HK$3,412/mo
Today · 4.125%
HK$114,735
baseline
▲ 0.50% · 4.625%
HK$121,716
+HK$6,981/mo
Deposit HK$10.15M · loan HK$23.67M · min. income ≈ HK$229,470/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,110
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$123,331
−HK$3,268/mo
Today · 4.125%
HK$126,599
baseline
▲ 0.50% · 4.625%
HK$133,272
+HK$6,673/mo
Deposit HK$10.15M · loan HK$23.67M · min. income ≈ HK$253,198/mo (50% DSR)
Upfront cash ≈ HK$11.58M (deposit + AVD stamp duty HK$1,437,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,812
−HK$8,704/mo
▼ 0.25% · 3.875%
HK$143,129
−HK$4,387/mo
Today · 4.125%
HK$147,516
baseline
▲ 0.50% · 4.625%
HK$156,492
+HK$8,976/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$295,032/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,427
−HK$8,343/mo
▼ 0.25% · 3.875%
HK$158,568
−HK$4,202/mo
Today · 4.125%
HK$162,770
baseline
▲ 0.50% · 4.625%
HK$171,350
+HK$8,580/mo
Deposit HK$3.38M · loan HK$30.44M · min. income ≈ HK$325,540/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$1,437,337 · Scale 2, in force from 26 Feb 2026)