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$73,889
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$76,188
−HK$2,335/mo
Today · 4.125%
HK$78,523
baseline
▲ 0.50% · 4.625%
HK$83,301
+HK$4,778/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$157,046/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,201
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,406
−HK$2,236/mo
Today · 4.125%
HK$86,642
baseline
▲ 0.50% · 4.625%
HK$91,209
+HK$4,567/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,284/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,667
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$91,425
−HK$2,803/mo
Today · 4.125%
HK$94,228
baseline
▲ 0.50% · 4.625%
HK$99,961
+HK$5,733/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$188,456/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,642
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$101,287
−HK$2,684/mo
Today · 4.125%
HK$103,971
baseline
▲ 0.50% · 4.625%
HK$109,451
+HK$5,480/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$207,942/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,445
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$106,663
−HK$3,269/mo
Today · 4.125%
HK$109,932
baseline
▲ 0.50% · 4.625%
HK$116,621
+HK$6,689/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$219,864/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,082
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$118,168
−HK$3,131/mo
Today · 4.125%
HK$121,299
baseline
▲ 0.50% · 4.625%
HK$127,693
+HK$6,394/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$242,598/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,001
−HK$8,340/mo
▼ 0.25% · 3.875%
HK$137,138
−HK$4,203/mo
Today · 4.125%
HK$141,341
baseline
▲ 0.50% · 4.625%
HK$149,942
+HK$8,601/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$282,682/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,962
−HK$7,994/mo
▼ 0.25% · 3.875%
HK$151,931
−HK$4,025/mo
Today · 4.125%
HK$155,956
baseline
▲ 0.50% · 4.625%
HK$164,177
+HK$8,221/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$311,912/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,171 · Scale 2, in force from 26 Feb 2026)