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$75,361
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$77,705
−HK$2,381/mo
Today · 4.125%
HK$80,086
baseline
▲ 0.50% · 4.625%
HK$84,960
+HK$4,874/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$160,172/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,404,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,838
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,086
−HK$2,282/mo
Today · 4.125%
HK$88,368
baseline
▲ 0.50% · 4.625%
HK$93,025
+HK$4,657/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$176,736/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,404,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,433
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$93,246
−HK$2,858/mo
Today · 4.125%
HK$96,104
baseline
▲ 0.50% · 4.625%
HK$101,951
+HK$5,847/mo
Deposit HK$13.22M · loan HK$19.83M · min. income ≈ HK$192,208/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,404,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,606
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$103,304
−HK$2,737/mo
Today · 4.125%
HK$106,041
baseline
▲ 0.50% · 4.625%
HK$111,631
+HK$5,590/mo
Deposit HK$13.22M · loan HK$19.83M · min. income ≈ HK$212,082/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,404,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,505
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$108,787
−HK$3,334/mo
Today · 4.125%
HK$112,121
baseline
▲ 0.50% · 4.625%
HK$118,943
+HK$6,822/mo
Deposit HK$9.91M · loan HK$23.13M · min. income ≈ HK$224,242/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,373
−HK$6,342/mo
▼ 0.25% · 3.875%
HK$120,521
−HK$3,194/mo
Today · 4.125%
HK$123,715
baseline
▲ 0.50% · 4.625%
HK$130,236
+HK$6,521/mo
Deposit HK$9.91M · loan HK$23.13M · min. income ≈ HK$247,430/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,649
−HK$8,507/mo
▼ 0.25% · 3.875%
HK$139,869
−HK$4,287/mo
Today · 4.125%
HK$144,156
baseline
▲ 0.50% · 4.625%
HK$152,927
+HK$8,771/mo
Deposit HK$3.30M · loan HK$29.74M · min. income ≈ HK$288,312/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,908
−HK$8,154/mo
▼ 0.25% · 3.875%
HK$154,956
−HK$4,106/mo
Today · 4.125%
HK$159,062
baseline
▲ 0.50% · 4.625%
HK$167,446
+HK$8,384/mo
Deposit HK$3.30M · loan HK$29.74M · min. income ≈ HK$318,124/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,592 · Scale 2, in force from 26 Feb 2026)