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$79,145
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,606
−HK$2,502/mo
Today · 4.125%
HK$84,108
baseline
▲ 0.50% · 4.625%
HK$89,225
+HK$5,117/mo
Deposit HK$17.35M · loan HK$17.35M · min. income ≈ HK$168,216/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,475,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,048
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,409
−HK$2,396/mo
Today · 4.125%
HK$92,805
baseline
▲ 0.50% · 4.625%
HK$97,696
+HK$4,891/mo
Deposit HK$17.35M · loan HK$17.35M · min. income ≈ HK$185,610/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,475,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,974
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$97,928
−HK$3,001/mo
Today · 4.125%
HK$100,929
baseline
▲ 0.50% · 4.625%
HK$107,071
+HK$6,142/mo
Deposit HK$13.88M · loan HK$20.83M · min. income ≈ HK$201,858/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,475,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,657
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$108,491
−HK$2,874/mo
Today · 4.125%
HK$111,365
baseline
▲ 0.50% · 4.625%
HK$117,236
+HK$5,871/mo
Deposit HK$13.88M · loan HK$20.83M · min. income ≈ HK$222,730/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,475,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,802
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$114,249
−HK$3,502/mo
Today · 4.125%
HK$117,751
baseline
▲ 0.50% · 4.625%
HK$124,916
+HK$7,165/mo
Deposit HK$10.41M · loan HK$24.30M · min. income ≈ HK$235,502/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,267
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$126,573
−HK$3,353/mo
Today · 4.125%
HK$129,926
baseline
▲ 0.50% · 4.625%
HK$136,775
+HK$6,849/mo
Deposit HK$10.41M · loan HK$24.30M · min. income ≈ HK$259,852/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,460
−HK$8,934/mo
▼ 0.25% · 3.875%
HK$146,892
−HK$4,502/mo
Today · 4.125%
HK$151,394
baseline
▲ 0.50% · 4.625%
HK$160,606
+HK$9,212/mo
Deposit HK$3.47M · loan HK$31.24M · min. income ≈ HK$302,788/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,486
−HK$8,562/mo
▼ 0.25% · 3.875%
HK$162,736
−HK$4,312/mo
Today · 4.125%
HK$167,048
baseline
▲ 0.50% · 4.625%
HK$175,854
+HK$8,806/mo
Deposit HK$3.47M · loan HK$31.24M · min. income ≈ HK$334,096/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,118 · Scale 2, in force from 26 Feb 2026)