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$75,870
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,230
−HK$2,398/mo
Today · 4.125%
HK$80,628
baseline
▲ 0.50% · 4.625%
HK$85,534
+HK$4,906/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$161,256/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,414,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,405
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,669
−HK$2,296/mo
Today · 4.125%
HK$88,965
baseline
▲ 0.50% · 4.625%
HK$93,655
+HK$4,690/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$177,930/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,414,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,044
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$93,876
−HK$2,878/mo
Today · 4.125%
HK$96,754
baseline
▲ 0.50% · 4.625%
HK$102,641
+HK$5,887/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$193,508/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,414,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,286
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$104,002
−HK$2,756/mo
Today · 4.125%
HK$106,758
baseline
▲ 0.50% · 4.625%
HK$112,385
+HK$5,627/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$213,516/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,414,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,218
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$109,522
−HK$3,357/mo
Today · 4.125%
HK$112,879
baseline
▲ 0.50% · 4.625%
HK$119,748
+HK$6,869/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$225,758/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,167
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$121,336
−HK$3,215/mo
Today · 4.125%
HK$124,551
baseline
▲ 0.50% · 4.625%
HK$131,116
+HK$6,565/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$249,102/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,567
−HK$8,563/mo
▼ 0.25% · 3.875%
HK$140,815
−HK$4,315/mo
Today · 4.125%
HK$145,130
baseline
▲ 0.50% · 4.625%
HK$153,961
+HK$8,831/mo
Deposit HK$3.33M · loan HK$29.95M · min. income ≈ HK$290,260/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,929
−HK$8,208/mo
▼ 0.25% · 3.875%
HK$156,004
−HK$4,133/mo
Today · 4.125%
HK$160,137
baseline
▲ 0.50% · 4.625%
HK$168,578
+HK$8,441/mo
Deposit HK$3.33M · loan HK$29.95M · min. income ≈ HK$320,274/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,090 · Scale 2, in force from 26 Feb 2026)