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$75,191
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$77,530
−HK$2,376/mo
Today · 4.125%
HK$79,906
baseline
▲ 0.50% · 4.625%
HK$84,768
+HK$4,862/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$159,812/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,649
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$85,892
−HK$2,276/mo
Today · 4.125%
HK$88,168
baseline
▲ 0.50% · 4.625%
HK$92,816
+HK$4,648/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$176,336/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,229
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$93,036
−HK$2,851/mo
Today · 4.125%
HK$95,887
baseline
▲ 0.50% · 4.625%
HK$101,722
+HK$5,835/mo
Deposit HK$13.19M · loan HK$19.78M · min. income ≈ HK$191,774/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,379
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$103,071
−HK$2,731/mo
Today · 4.125%
HK$105,802
baseline
▲ 0.50% · 4.625%
HK$111,379
+HK$5,577/mo
Deposit HK$13.19M · loan HK$19.78M · min. income ≈ HK$211,604/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,267
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,542
−HK$3,326/mo
Today · 4.125%
HK$111,868
baseline
▲ 0.50% · 4.625%
HK$118,675
+HK$6,807/mo
Deposit HK$9.89M · loan HK$23.08M · min. income ≈ HK$223,736/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,401,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,109
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,249
−HK$3,187/mo
Today · 4.125%
HK$123,436
baseline
▲ 0.50% · 4.625%
HK$129,942
+HK$6,506/mo
Deposit HK$9.89M · loan HK$23.08M · min. income ≈ HK$246,872/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,401,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,343
−HK$8,488/mo
▼ 0.25% · 3.875%
HK$139,553
−HK$4,278/mo
Today · 4.125%
HK$143,831
baseline
▲ 0.50% · 4.625%
HK$152,582
+HK$8,751/mo
Deposit HK$3.30M · loan HK$29.68M · min. income ≈ HK$287,662/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,568
−HK$8,135/mo
▼ 0.25% · 3.875%
HK$154,606
−HK$4,097/mo
Today · 4.125%
HK$158,703
baseline
▲ 0.50% · 4.625%
HK$167,068
+HK$8,365/mo
Deposit HK$3.30M · loan HK$29.68M · min. income ≈ HK$317,406/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,426 · Scale 2, in force from 26 Feb 2026)