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$79,724
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,204
−HK$2,519/mo
Today · 4.125%
HK$84,723
baseline
▲ 0.50% · 4.625%
HK$89,879
+HK$5,156/mo
Deposit HK$17.48M · loan HK$17.48M · min. income ≈ HK$169,446/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,485,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,692
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,071
−HK$2,413/mo
Today · 4.125%
HK$93,484
baseline
▲ 0.50% · 4.625%
HK$98,412
+HK$4,928/mo
Deposit HK$17.48M · loan HK$17.48M · min. income ≈ HK$186,968/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,485,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,669
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$98,645
−HK$3,023/mo
Today · 4.125%
HK$101,668
baseline
▲ 0.50% · 4.625%
HK$107,854
+HK$6,186/mo
Deposit HK$13.99M · loan HK$20.98M · min. income ≈ HK$203,336/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,485,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,431
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$109,285
−HK$2,896/mo
Today · 4.125%
HK$112,181
baseline
▲ 0.50% · 4.625%
HK$118,094
+HK$5,913/mo
Deposit HK$13.99M · loan HK$20.98M · min. income ≈ HK$224,362/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,485,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,614
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$115,085
−HK$3,528/mo
Today · 4.125%
HK$118,613
baseline
▲ 0.50% · 4.625%
HK$125,830
+HK$7,217/mo
Deposit HK$10.49M · loan HK$24.47M · min. income ≈ HK$237,226/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,485,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,169
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$127,499
−HK$3,378/mo
Today · 4.125%
HK$130,877
baseline
▲ 0.50% · 4.625%
HK$137,776
+HK$6,899/mo
Deposit HK$10.49M · loan HK$24.47M · min. income ≈ HK$261,754/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,485,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,503
−HK$8,999/mo
▼ 0.25% · 3.875%
HK$147,967
−HK$4,535/mo
Today · 4.125%
HK$152,502
baseline
▲ 0.50% · 4.625%
HK$161,781
+HK$9,279/mo
Deposit HK$3.50M · loan HK$31.47M · min. income ≈ HK$305,004/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,485,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,646
−HK$8,625/mo
▼ 0.25% · 3.875%
HK$163,927
−HK$4,344/mo
Today · 4.125%
HK$168,271
baseline
▲ 0.50% · 4.625%
HK$177,141
+HK$8,870/mo
Deposit HK$3.50M · loan HK$31.47M · min. income ≈ HK$336,542/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,485,917 · Scale 2, in force from 26 Feb 2026)