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$76,318
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,692
−HK$2,412/mo
Today · 4.125%
HK$81,104
baseline
▲ 0.50% · 4.625%
HK$86,039
+HK$4,935/mo
Deposit HK$16.73M · loan HK$16.73M · min. income ≈ HK$162,208/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,422,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,903
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,180
−HK$2,310/mo
Today · 4.125%
HK$89,490
baseline
▲ 0.50% · 4.625%
HK$94,208
+HK$4,718/mo
Deposit HK$16.73M · loan HK$16.73M · min. income ≈ HK$178,980/mo (50% DSR)
Upfront cash ≈ HK$18.16M (deposit + AVD stamp duty HK$1,422,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,582
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$94,431
−HK$2,894/mo
Today · 4.125%
HK$97,325
baseline
▲ 0.50% · 4.625%
HK$103,247
+HK$5,922/mo
Deposit HK$13.39M · loan HK$20.08M · min. income ≈ HK$194,650/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,884
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$104,617
−HK$2,772/mo
Today · 4.125%
HK$107,389
baseline
▲ 0.50% · 4.625%
HK$113,049
+HK$5,660/mo
Deposit HK$13.39M · loan HK$20.08M · min. income ≈ HK$214,778/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,422,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,846
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$110,169
−HK$3,377/mo
Today · 4.125%
HK$113,546
baseline
▲ 0.50% · 4.625%
HK$120,455
+HK$6,909/mo
Deposit HK$10.04M · loan HK$23.43M · min. income ≈ HK$227,092/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,422,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,865
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$122,053
−HK$3,234/mo
Today · 4.125%
HK$125,287
baseline
▲ 0.50% · 4.625%
HK$131,891
+HK$6,604/mo
Deposit HK$10.04M · loan HK$23.43M · min. income ≈ HK$250,574/mo (50% DSR)
Upfront cash ≈ HK$11.46M (deposit + AVD stamp duty HK$1,422,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,373
−HK$8,614/mo
▼ 0.25% · 3.875%
HK$141,646
−HK$4,341/mo
Today · 4.125%
HK$145,987
baseline
▲ 0.50% · 4.625%
HK$154,870
+HK$8,883/mo
Deposit HK$3.35M · loan HK$30.12M · min. income ≈ HK$291,974/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,826
−HK$8,257/mo
▼ 0.25% · 3.875%
HK$156,925
−HK$4,158/mo
Today · 4.125%
HK$161,083
baseline
▲ 0.50% · 4.625%
HK$169,574
+HK$8,491/mo
Deposit HK$3.35M · loan HK$30.12M · min. income ≈ HK$322,166/mo (50% DSR)
Upfront cash ≈ HK$4.77M (deposit + AVD stamp duty HK$1,422,441 · Scale 2, in force from 26 Feb 2026)