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$77,220
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,622
−HK$2,440/mo
Today · 4.125%
HK$82,062
baseline
▲ 0.50% · 4.625%
HK$87,056
+HK$4,994/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$164,124/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,439,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,906
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,210
−HK$2,338/mo
Today · 4.125%
HK$90,548
baseline
▲ 0.50% · 4.625%
HK$95,321
+HK$4,773/mo
Deposit HK$16.93M · loan HK$16.93M · min. income ≈ HK$181,096/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,439,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,664
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$95,546
−HK$2,929/mo
Today · 4.125%
HK$98,475
baseline
▲ 0.50% · 4.625%
HK$104,467
+HK$5,992/mo
Deposit HK$13.55M · loan HK$20.32M · min. income ≈ HK$196,950/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,088
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$105,853
−HK$2,804/mo
Today · 4.125%
HK$108,657
baseline
▲ 0.50% · 4.625%
HK$114,385
+HK$5,728/mo
Deposit HK$13.55M · loan HK$20.32M · min. income ≈ HK$217,314/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,439,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,108
−HK$6,779/mo
▼ 0.25% · 3.875%
HK$111,471
−HK$3,416/mo
Today · 4.125%
HK$114,887
baseline
▲ 0.50% · 4.625%
HK$121,878
+HK$6,991/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$229,774/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,269
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$123,495
−HK$3,272/mo
Today · 4.125%
HK$126,767
baseline
▲ 0.50% · 4.625%
HK$133,449
+HK$6,682/mo
Deposit HK$10.16M · loan HK$23.71M · min. income ≈ HK$253,534/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,439,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,996
−HK$8,716/mo
▼ 0.25% · 3.875%
HK$143,320
−HK$4,392/mo
Today · 4.125%
HK$147,712
baseline
▲ 0.50% · 4.625%
HK$156,700
+HK$8,988/mo
Deposit HK$3.39M · loan HK$30.48M · min. income ≈ HK$295,424/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,632
−HK$8,354/mo
▼ 0.25% · 3.875%
HK$158,779
−HK$4,207/mo
Today · 4.125%
HK$162,986
baseline
▲ 0.50% · 4.625%
HK$171,577
+HK$8,591/mo
Deposit HK$3.39M · loan HK$30.48M · min. income ≈ HK$325,972/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,439,247 · Scale 2, in force from 26 Feb 2026)