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$75,608
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,960
−HK$2,389/mo
Today · 4.125%
HK$80,349
baseline
▲ 0.50% · 4.625%
HK$85,238
+HK$4,889/mo
Deposit HK$16.58M · loan HK$16.58M · min. income ≈ HK$160,698/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,409,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,113
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,369
−HK$2,288/mo
Today · 4.125%
HK$88,657
baseline
▲ 0.50% · 4.625%
HK$93,331
+HK$4,674/mo
Deposit HK$16.58M · loan HK$16.58M · min. income ≈ HK$177,314/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,409,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,729
−HK$5,690/mo
▼ 0.25% · 3.875%
HK$93,552
−HK$2,867/mo
Today · 4.125%
HK$96,419
baseline
▲ 0.50% · 4.625%
HK$102,286
+HK$5,867/mo
Deposit HK$13.26M · loan HK$19.89M · min. income ≈ HK$192,838/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,409,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,936
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$103,643
−HK$2,746/mo
Today · 4.125%
HK$106,389
baseline
▲ 0.50% · 4.625%
HK$111,997
+HK$5,608/mo
Deposit HK$13.26M · loan HK$19.89M · min. income ≈ HK$212,778/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,409,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,851
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$109,144
−HK$3,345/mo
Today · 4.125%
HK$112,489
baseline
▲ 0.50% · 4.625%
HK$119,333
+HK$6,844/mo
Deposit HK$9.95M · loan HK$23.21M · min. income ≈ HK$224,978/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,409,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,758
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$120,916
−HK$3,204/mo
Today · 4.125%
HK$124,120
baseline
▲ 0.50% · 4.625%
HK$130,663
+HK$6,543/mo
Deposit HK$9.95M · loan HK$23.21M · min. income ≈ HK$248,240/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,409,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,094
−HK$8,534/mo
▼ 0.25% · 3.875%
HK$140,327
−HK$4,301/mo
Today · 4.125%
HK$144,628
baseline
▲ 0.50% · 4.625%
HK$153,429
+HK$8,801/mo
Deposit HK$3.32M · loan HK$29.84M · min. income ≈ HK$289,256/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,409,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,403
−HK$8,180/mo
▼ 0.25% · 3.875%
HK$155,464
−HK$4,119/mo
Today · 4.125%
HK$159,583
baseline
▲ 0.50% · 4.625%
HK$167,995
+HK$8,412/mo
Deposit HK$3.32M · loan HK$29.84M · min. income ≈ HK$319,166/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,409,199 · Scale 2, in force from 26 Feb 2026)