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$81,595
−HK$5,117/mo
▼ 0.25% · 3.875%
HK$84,133
−HK$2,579/mo
Today · 4.125%
HK$86,712
baseline
▲ 0.50% · 4.625%
HK$91,988
+HK$5,276/mo
Deposit HK$17.89M · loan HK$17.89M · min. income ≈ HK$173,424/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,520,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,773
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,208
−HK$2,470/mo
Today · 4.125%
HK$95,678
baseline
▲ 0.50% · 4.625%
HK$100,721
+HK$5,043/mo
Deposit HK$17.89M · loan HK$17.89M · min. income ≈ HK$191,356/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,520,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,914
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$100,959
−HK$3,095/mo
Today · 4.125%
HK$104,054
baseline
▲ 0.50% · 4.625%
HK$110,385
+HK$6,331/mo
Deposit HK$14.31M · loan HK$21.47M · min. income ≈ HK$208,108/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,520,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,928
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$111,849
−HK$2,964/mo
Today · 4.125%
HK$114,813
baseline
▲ 0.50% · 4.625%
HK$120,865
+HK$6,052/mo
Deposit HK$14.31M · loan HK$21.47M · min. income ≈ HK$229,626/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,520,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,233
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$117,786
−HK$3,610/mo
Today · 4.125%
HK$121,396
baseline
▲ 0.50% · 4.625%
HK$128,783
+HK$7,387/mo
Deposit HK$10.73M · loan HK$25.05M · min. income ≈ HK$242,792/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,520,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,083
−HK$6,866/mo
▼ 0.25% · 3.875%
HK$130,491
−HK$3,458/mo
Today · 4.125%
HK$133,949
baseline
▲ 0.50% · 4.625%
HK$141,009
+HK$7,060/mo
Deposit HK$10.73M · loan HK$25.05M · min. income ≈ HK$267,898/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,520,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,871
−HK$9,210/mo
▼ 0.25% · 3.875%
HK$151,439
−HK$4,642/mo
Today · 4.125%
HK$156,081
baseline
▲ 0.50% · 4.625%
HK$165,578
+HK$9,497/mo
Deposit HK$3.58M · loan HK$32.20M · min. income ≈ HK$312,162/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,520,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,392
−HK$8,828/mo
▼ 0.25% · 3.875%
HK$167,774
−HK$4,446/mo
Today · 4.125%
HK$172,220
baseline
▲ 0.50% · 4.625%
HK$181,298
+HK$9,078/mo
Deposit HK$3.58M · loan HK$32.20M · min. income ≈ HK$344,440/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,520,785 · Scale 2, in force from 26 Feb 2026)