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$75,121
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,457
−HK$2,374/mo
Today · 4.125%
HK$79,831
baseline
▲ 0.50% · 4.625%
HK$84,689
+HK$4,858/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$159,662/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,400,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,571
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,812
−HK$2,274/mo
Today · 4.125%
HK$88,086
baseline
▲ 0.50% · 4.625%
HK$92,729
+HK$4,643/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$176,172/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,400,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,145
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$92,949
−HK$2,849/mo
Today · 4.125%
HK$95,798
baseline
▲ 0.50% · 4.625%
HK$101,627
+HK$5,829/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$191,596/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,285
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$102,975
−HK$2,728/mo
Today · 4.125%
HK$105,703
baseline
▲ 0.50% · 4.625%
HK$111,275
+HK$5,572/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$211,406/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,169
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$108,440
−HK$3,324/mo
Today · 4.125%
HK$111,764
baseline
▲ 0.50% · 4.625%
HK$118,565
+HK$6,801/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$223,528/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,400,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,000
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,137
−HK$3,184/mo
Today · 4.125%
HK$123,321
baseline
▲ 0.50% · 4.625%
HK$129,821
+HK$6,500/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$246,642/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,400,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,217
−HK$8,480/mo
▼ 0.25% · 3.875%
HK$139,423
−HK$4,274/mo
Today · 4.125%
HK$143,697
baseline
▲ 0.50% · 4.625%
HK$152,440
+HK$8,743/mo
Deposit HK$3.29M · loan HK$29.65M · min. income ≈ HK$287,394/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,400,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,428
−HK$8,127/mo
▼ 0.25% · 3.875%
HK$154,462
−HK$4,093/mo
Today · 4.125%
HK$158,555
baseline
▲ 0.50% · 4.625%
HK$166,913
+HK$8,358/mo
Deposit HK$3.29M · loan HK$29.65M · min. income ≈ HK$317,110/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,400,120 · Scale 2, in force from 26 Feb 2026)