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$77,666
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,082
−HK$2,455/mo
Today · 4.125%
HK$82,537
baseline
▲ 0.50% · 4.625%
HK$87,559
+HK$5,022/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$165,074/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,447,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,403
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,720
−HK$2,351/mo
Today · 4.125%
HK$91,071
baseline
▲ 0.50% · 4.625%
HK$95,872
+HK$4,801/mo
Deposit HK$17.03M · loan HK$17.03M · min. income ≈ HK$182,142/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,447,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,200
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$96,099
−HK$2,945/mo
Today · 4.125%
HK$99,044
baseline
▲ 0.50% · 4.625%
HK$105,071
+HK$6,027/mo
Deposit HK$13.62M · loan HK$20.44M · min. income ≈ HK$198,088/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,684
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$106,464
−HK$2,821/mo
Today · 4.125%
HK$109,285
baseline
▲ 0.50% · 4.625%
HK$115,046
+HK$5,761/mo
Deposit HK$13.62M · loan HK$20.44M · min. income ≈ HK$218,570/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,447,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,733
−HK$6,818/mo
▼ 0.25% · 3.875%
HK$112,115
−HK$3,436/mo
Today · 4.125%
HK$115,551
baseline
▲ 0.50% · 4.625%
HK$122,582
+HK$7,031/mo
Deposit HK$10.22M · loan HK$23.84M · min. income ≈ HK$231,102/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,447,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,964
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$124,208
−HK$3,292/mo
Today · 4.125%
HK$127,500
baseline
▲ 0.50% · 4.625%
HK$134,220
+HK$6,720/mo
Deposit HK$10.22M · loan HK$23.84M · min. income ≈ HK$255,000/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,447,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,799
−HK$8,767/mo
▼ 0.25% · 3.875%
HK$144,148
−HK$4,418/mo
Today · 4.125%
HK$148,566
baseline
▲ 0.50% · 4.625%
HK$157,606
+HK$9,040/mo
Deposit HK$3.41M · loan HK$30.65M · min. income ≈ HK$297,132/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,525
−HK$8,403/mo
▼ 0.25% · 3.875%
HK$159,697
−HK$4,231/mo
Today · 4.125%
HK$163,928
baseline
▲ 0.50% · 4.625%
HK$172,569
+HK$8,641/mo
Deposit HK$3.41M · loan HK$30.65M · min. income ≈ HK$327,856/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$1,447,565 · Scale 2, in force from 26 Feb 2026)