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$75,327
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,670
−HK$2,380/mo
Today · 4.125%
HK$80,050
baseline
▲ 0.50% · 4.625%
HK$84,921
+HK$4,871/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$160,100/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,403,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,800
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,048
−HK$2,280/mo
Today · 4.125%
HK$88,328
baseline
▲ 0.50% · 4.625%
HK$92,983
+HK$4,655/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$176,656/mo (50% DSR)
Upfront cash ≈ HK$17.92M (deposit + AVD stamp duty HK$1,403,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,392
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$93,204
−HK$2,856/mo
Today · 4.125%
HK$96,060
baseline
▲ 0.50% · 4.625%
HK$101,905
+HK$5,845/mo
Deposit HK$13.21M · loan HK$19.82M · min. income ≈ HK$192,120/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,403,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,560
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$103,257
−HK$2,736/mo
Today · 4.125%
HK$105,993
baseline
▲ 0.50% · 4.625%
HK$111,580
+HK$5,587/mo
Deposit HK$13.21M · loan HK$19.82M · min. income ≈ HK$211,986/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,403,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,457
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$108,738
−HK$3,332/mo
Today · 4.125%
HK$112,070
baseline
▲ 0.50% · 4.625%
HK$118,890
+HK$6,820/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$224,140/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,320
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$120,467
−HK$3,192/mo
Today · 4.125%
HK$123,659
baseline
▲ 0.50% · 4.625%
HK$130,177
+HK$6,518/mo
Deposit HK$9.91M · loan HK$23.12M · min. income ≈ HK$247,318/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,588
−HK$8,502/mo
▼ 0.25% · 3.875%
HK$139,805
−HK$4,285/mo
Today · 4.125%
HK$144,090
baseline
▲ 0.50% · 4.625%
HK$152,858
+HK$8,768/mo
Deposit HK$3.30M · loan HK$29.73M · min. income ≈ HK$288,180/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,840
−HK$8,150/mo
▼ 0.25% · 3.875%
HK$154,886
−HK$4,104/mo
Today · 4.125%
HK$158,990
baseline
▲ 0.50% · 4.625%
HK$167,370
+HK$8,380/mo
Deposit HK$3.30M · loan HK$29.73M · min. income ≈ HK$317,980/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,956 · Scale 2, in force from 26 Feb 2026)