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$75,646
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$77,999
−HK$2,390/mo
Today · 4.125%
HK$80,389
baseline
▲ 0.50% · 4.625%
HK$85,281
+HK$4,892/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$160,778/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,409,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,155
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,412
−HK$2,290/mo
Today · 4.125%
HK$88,702
baseline
▲ 0.50% · 4.625%
HK$93,377
+HK$4,675/mo
Deposit HK$16.59M · loan HK$16.59M · min. income ≈ HK$177,404/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,409,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,775
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$93,598
−HK$2,869/mo
Today · 4.125%
HK$96,467
baseline
▲ 0.50% · 4.625%
HK$102,337
+HK$5,870/mo
Deposit HK$13.27M · loan HK$19.90M · min. income ≈ HK$192,934/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,409,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,986
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$103,694
−HK$2,748/mo
Today · 4.125%
HK$106,442
baseline
▲ 0.50% · 4.625%
HK$112,053
+HK$5,611/mo
Deposit HK$13.27M · loan HK$19.90M · min. income ≈ HK$212,884/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,409,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,904
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$109,198
−HK$3,347/mo
Today · 4.125%
HK$112,545
baseline
▲ 0.50% · 4.625%
HK$119,393
+HK$6,848/mo
Deposit HK$9.95M · loan HK$23.22M · min. income ≈ HK$225,090/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,409,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,817
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,977
−HK$3,205/mo
Today · 4.125%
HK$124,182
baseline
▲ 0.50% · 4.625%
HK$130,728
+HK$6,546/mo
Deposit HK$9.95M · loan HK$23.22M · min. income ≈ HK$248,364/mo (50% DSR)
Upfront cash ≈ HK$11.36M (deposit + AVD stamp duty HK$1,409,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,162
−HK$8,539/mo
▼ 0.25% · 3.875%
HK$140,398
−HK$4,303/mo
Today · 4.125%
HK$144,701
baseline
▲ 0.50% · 4.625%
HK$153,505
+HK$8,804/mo
Deposit HK$3.32M · loan HK$29.86M · min. income ≈ HK$289,402/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,409,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,479
−HK$8,184/mo
▼ 0.25% · 3.875%
HK$155,542
−HK$4,121/mo
Today · 4.125%
HK$159,663
baseline
▲ 0.50% · 4.625%
HK$168,079
+HK$8,416/mo
Deposit HK$3.32M · loan HK$29.86M · min. income ≈ HK$319,326/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$1,409,903 · Scale 2, in force from 26 Feb 2026)