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$73,720
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,013
−HK$2,330/mo
Today · 4.125%
HK$78,343
baseline
▲ 0.50% · 4.625%
HK$83,110
+HK$4,767/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,686/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,374,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,013
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,213
−HK$2,231/mo
Today · 4.125%
HK$86,444
baseline
▲ 0.50% · 4.625%
HK$91,000
+HK$4,556/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,888/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,374,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,464
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$91,216
−HK$2,796/mo
Today · 4.125%
HK$94,012
baseline
▲ 0.50% · 4.625%
HK$99,732
+HK$5,720/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$188,024/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,374,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,416
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$101,055
−HK$2,678/mo
Today · 4.125%
HK$103,733
baseline
▲ 0.50% · 4.625%
HK$109,201
+HK$5,468/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$207,466/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,374,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,208
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$106,419
−HK$3,261/mo
Today · 4.125%
HK$109,680
baseline
▲ 0.50% · 4.625%
HK$116,354
+HK$6,674/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$219,360/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,374,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,818
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$117,898
−HK$3,123/mo
Today · 4.125%
HK$121,021
baseline
▲ 0.50% · 4.625%
HK$127,401
+HK$6,380/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$242,042/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,374,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,696
−HK$8,322/mo
▼ 0.25% · 3.875%
HK$136,824
−HK$4,194/mo
Today · 4.125%
HK$141,018
baseline
▲ 0.50% · 4.625%
HK$149,598
+HK$8,580/mo
Deposit HK$3.23M · loan HK$29.10M · min. income ≈ HK$282,036/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,374,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,623
−HK$7,976/mo
▼ 0.25% · 3.875%
HK$151,583
−HK$4,016/mo
Today · 4.125%
HK$155,599
baseline
▲ 0.50% · 4.625%
HK$163,801
+HK$8,202/mo
Deposit HK$3.23M · loan HK$29.10M · min. income ≈ HK$311,198/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,374,016 · Scale 2, in force from 26 Feb 2026)