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$77,384
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,791
−HK$2,445/mo
Today · 4.125%
HK$82,236
baseline
▲ 0.50% · 4.625%
HK$87,240
+HK$5,004/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$164,472/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,442,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,089
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,397
−HK$2,343/mo
Today · 4.125%
HK$90,740
baseline
▲ 0.50% · 4.625%
HK$95,523
+HK$4,783/mo
Deposit HK$16.97M · loan HK$16.97M · min. income ≈ HK$181,480/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,442,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,860
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$95,749
−HK$2,935/mo
Today · 4.125%
HK$98,684
baseline
▲ 0.50% · 4.625%
HK$104,688
+HK$6,004/mo
Deposit HK$13.57M · loan HK$20.36M · min. income ≈ HK$197,368/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,306
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$106,077
−HK$2,811/mo
Today · 4.125%
HK$108,888
baseline
▲ 0.50% · 4.625%
HK$114,627
+HK$5,739/mo
Deposit HK$13.57M · loan HK$20.36M · min. income ≈ HK$217,776/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,442,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,337
−HK$6,794/mo
▼ 0.25% · 3.875%
HK$111,707
−HK$3,424/mo
Today · 4.125%
HK$115,131
baseline
▲ 0.50% · 4.625%
HK$122,136
+HK$7,005/mo
Deposit HK$10.18M · loan HK$23.76M · min. income ≈ HK$230,262/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,442,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,524
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$123,756
−HK$3,279/mo
Today · 4.125%
HK$127,035
baseline
▲ 0.50% · 4.625%
HK$133,732
+HK$6,697/mo
Deposit HK$10.18M · loan HK$23.76M · min. income ≈ HK$254,070/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,442,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,291
−HK$8,734/mo
▼ 0.25% · 3.875%
HK$143,623
−HK$4,402/mo
Today · 4.125%
HK$148,025
baseline
▲ 0.50% · 4.625%
HK$157,032
+HK$9,007/mo
Deposit HK$3.39M · loan HK$30.54M · min. income ≈ HK$296,050/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,959
−HK$8,372/mo
▼ 0.25% · 3.875%
HK$159,115
−HK$4,216/mo
Today · 4.125%
HK$163,331
baseline
▲ 0.50% · 4.625%
HK$171,941
+HK$8,610/mo
Deposit HK$3.39M · loan HK$30.54M · min. income ≈ HK$326,662/mo (50% DSR)
Upfront cash ≈ HK$4.84M (deposit + AVD stamp duty HK$1,442,296 · Scale 2, in force from 26 Feb 2026)