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$78,268
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,703
−HK$2,473/mo
Today · 4.125%
HK$83,176
baseline
▲ 0.50% · 4.625%
HK$88,237
+HK$5,061/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$166,352/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,073
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,408
−HK$2,369/mo
Today · 4.125%
HK$91,777
baseline
▲ 0.50% · 4.625%
HK$96,615
+HK$4,838/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$183,554/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,922
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$96,843
−HK$2,969/mo
Today · 4.125%
HK$99,812
baseline
▲ 0.50% · 4.625%
HK$105,885
+HK$6,073/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$199,624/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,458,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,487
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$107,289
−HK$2,843/mo
Today · 4.125%
HK$110,132
baseline
▲ 0.50% · 4.625%
HK$115,938
+HK$5,806/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$220,264/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,458,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,576
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$112,984
−HK$3,463/mo
Today · 4.125%
HK$116,447
baseline
▲ 0.50% · 4.625%
HK$123,532
+HK$7,085/mo
Deposit HK$10.30M · loan HK$24.03M · min. income ≈ HK$232,894/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,458,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,902
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$125,171
−HK$3,317/mo
Today · 4.125%
HK$128,488
baseline
▲ 0.50% · 4.625%
HK$135,260
+HK$6,772/mo
Deposit HK$10.30M · loan HK$24.03M · min. income ≈ HK$256,976/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,458,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,883
−HK$8,834/mo
▼ 0.25% · 3.875%
HK$145,265
−HK$4,452/mo
Today · 4.125%
HK$149,717
baseline
▲ 0.50% · 4.625%
HK$158,827
+HK$9,110/mo
Deposit HK$3.43M · loan HK$30.89M · min. income ≈ HK$299,434/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,731
−HK$8,467/mo
▼ 0.25% · 3.875%
HK$160,934
−HK$4,264/mo
Today · 4.125%
HK$165,198
baseline
▲ 0.50% · 4.625%
HK$173,906
+HK$8,708/mo
Deposit HK$3.43M · loan HK$30.89M · min. income ≈ HK$330,396/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,784 · Scale 2, in force from 26 Feb 2026)