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$76,078
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,444
−HK$2,404/mo
Today · 4.125%
HK$80,848
baseline
▲ 0.50% · 4.625%
HK$85,768
+HK$4,920/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$161,696/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,417,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,636
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,905
−HK$2,303/mo
Today · 4.125%
HK$89,208
baseline
▲ 0.50% · 4.625%
HK$93,910
+HK$4,702/mo
Deposit HK$16.68M · loan HK$16.68M · min. income ≈ HK$178,416/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,417,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,293
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$94,133
−HK$2,885/mo
Today · 4.125%
HK$97,018
baseline
▲ 0.50% · 4.625%
HK$102,921
+HK$5,903/mo
Deposit HK$13.35M · loan HK$20.02M · min. income ≈ HK$194,036/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,417,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,563
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$104,287
−HK$2,763/mo
Today · 4.125%
HK$107,050
baseline
▲ 0.50% · 4.625%
HK$112,693
+HK$5,643/mo
Deposit HK$13.35M · loan HK$20.02M · min. income ≈ HK$214,100/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,417,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,509
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$109,822
−HK$3,366/mo
Today · 4.125%
HK$113,188
baseline
▲ 0.50% · 4.625%
HK$120,075
+HK$6,887/mo
Deposit HK$10.01M · loan HK$23.35M · min. income ≈ HK$226,376/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,417,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,490
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$121,668
−HK$3,223/mo
Today · 4.125%
HK$124,891
baseline
▲ 0.50% · 4.625%
HK$131,475
+HK$6,584/mo
Deposit HK$10.01M · loan HK$23.35M · min. income ≈ HK$249,782/mo (50% DSR)
Upfront cash ≈ HK$11.43M (deposit + AVD stamp duty HK$1,417,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,940
−HK$8,587/mo
▼ 0.25% · 3.875%
HK$141,199
−HK$4,328/mo
Today · 4.125%
HK$145,527
baseline
▲ 0.50% · 4.625%
HK$154,382
+HK$8,855/mo
Deposit HK$3.34M · loan HK$30.03M · min. income ≈ HK$291,054/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,417,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,344
−HK$8,231/mo
▼ 0.25% · 3.875%
HK$156,430
−HK$4,145/mo
Today · 4.125%
HK$160,575
baseline
▲ 0.50% · 4.625%
HK$169,039
+HK$8,464/mo
Deposit HK$3.34M · loan HK$30.03M · min. income ≈ HK$321,150/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,417,954 · Scale 2, in force from 26 Feb 2026)