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$75,944
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,306
−HK$2,400/mo
Today · 4.125%
HK$80,706
baseline
▲ 0.50% · 4.625%
HK$85,617
+HK$4,911/mo
Deposit HK$16.65M · loan HK$16.65M · min. income ≈ HK$161,412/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,487
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,753
−HK$2,298/mo
Today · 4.125%
HK$89,051
baseline
▲ 0.50% · 4.625%
HK$93,745
+HK$4,694/mo
Deposit HK$16.65M · loan HK$16.65M · min. income ≈ HK$178,102/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$1,415,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,133
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$93,967
−HK$2,881/mo
Today · 4.125%
HK$96,848
baseline
▲ 0.50% · 4.625%
HK$102,740
+HK$5,892/mo
Deposit HK$13.32M · loan HK$19.98M · min. income ≈ HK$193,696/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,384
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$104,103
−HK$2,759/mo
Today · 4.125%
HK$106,862
baseline
▲ 0.50% · 4.625%
HK$112,495
+HK$5,633/mo
Deposit HK$13.32M · loan HK$19.98M · min. income ≈ HK$213,724/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,415,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,322
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$109,629
−HK$3,360/mo
Today · 4.125%
HK$112,989
baseline
▲ 0.50% · 4.625%
HK$119,864
+HK$6,875/mo
Deposit HK$9.99M · loan HK$23.31M · min. income ≈ HK$225,978/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,282
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$121,454
−HK$3,218/mo
Today · 4.125%
HK$124,672
baseline
▲ 0.50% · 4.625%
HK$131,244
+HK$6,572/mo
Deposit HK$9.99M · loan HK$23.31M · min. income ≈ HK$249,344/mo (50% DSR)
Upfront cash ≈ HK$11.41M (deposit + AVD stamp duty HK$1,415,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,699
−HK$8,572/mo
▼ 0.25% · 3.875%
HK$140,951
−HK$4,320/mo
Today · 4.125%
HK$145,271
baseline
▲ 0.50% · 4.625%
HK$154,111
+HK$8,840/mo
Deposit HK$3.33M · loan HK$29.97M · min. income ≈ HK$290,542/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,076
−HK$8,217/mo
▼ 0.25% · 3.875%
HK$156,155
−HK$4,138/mo
Today · 4.125%
HK$160,293
baseline
▲ 0.50% · 4.625%
HK$168,742
+HK$8,449/mo
Deposit HK$3.33M · loan HK$29.97M · min. income ≈ HK$320,586/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$1,415,463 · Scale 2, in force from 26 Feb 2026)