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$77,270
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,674
−HK$2,442/mo
Today · 4.125%
HK$82,116
baseline
▲ 0.50% · 4.625%
HK$87,112
+HK$4,996/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,232/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,440,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,962
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,268
−HK$2,339/mo
Today · 4.125%
HK$90,607
baseline
▲ 0.50% · 4.625%
HK$95,383
+HK$4,776/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$181,214/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,440,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,724
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$95,608
−HK$2,931/mo
Today · 4.125%
HK$98,539
baseline
▲ 0.50% · 4.625%
HK$104,535
+HK$5,996/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$197,078/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,440,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,155
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$105,921
−HK$2,807/mo
Today · 4.125%
HK$108,728
baseline
▲ 0.50% · 4.625%
HK$114,459
+HK$5,731/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$217,456/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,440,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,178
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$111,543
−HK$3,419/mo
Today · 4.125%
HK$114,962
baseline
▲ 0.50% · 4.625%
HK$121,957
+HK$6,995/mo
Deposit HK$10.17M · loan HK$23.72M · min. income ≈ HK$229,924/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,347
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$123,575
−HK$3,274/mo
Today · 4.125%
HK$126,849
baseline
▲ 0.50% · 4.625%
HK$133,536
+HK$6,687/mo
Deposit HK$10.17M · loan HK$23.72M · min. income ≈ HK$253,698/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,086
−HK$8,722/mo
▼ 0.25% · 3.875%
HK$143,413
−HK$4,395/mo
Today · 4.125%
HK$147,808
baseline
▲ 0.50% · 4.625%
HK$156,802
+HK$8,994/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$295,616/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,732
−HK$8,360/mo
▼ 0.25% · 3.875%
HK$158,882
−HK$4,210/mo
Today · 4.125%
HK$163,092
baseline
▲ 0.50% · 4.625%
HK$171,689
+HK$8,597/mo
Deposit HK$3.39M · loan HK$30.50M · min. income ≈ HK$326,184/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,181 · Scale 2, in force from 26 Feb 2026)