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$79,270
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$81,736
−HK$2,505/mo
Today · 4.125%
HK$84,241
baseline
▲ 0.50% · 4.625%
HK$89,367
+HK$5,126/mo
Deposit HK$17.38M · loan HK$17.38M · min. income ≈ HK$168,482/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,477,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,187
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$90,552
−HK$2,400/mo
Today · 4.125%
HK$92,952
baseline
▲ 0.50% · 4.625%
HK$97,851
+HK$4,899/mo
Deposit HK$17.38M · loan HK$17.38M · min. income ≈ HK$185,904/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,477,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,124
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$98,083
−HK$3,006/mo
Today · 4.125%
HK$101,089
baseline
▲ 0.50% · 4.625%
HK$107,240
+HK$6,151/mo
Deposit HK$13.91M · loan HK$20.86M · min. income ≈ HK$202,178/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,477,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,824
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$108,663
−HK$2,879/mo
Today · 4.125%
HK$111,542
baseline
▲ 0.50% · 4.625%
HK$117,421
+HK$5,879/mo
Deposit HK$13.91M · loan HK$20.86M · min. income ≈ HK$223,084/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,477,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,978
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$114,430
−HK$3,507/mo
Today · 4.125%
HK$117,937
baseline
▲ 0.50% · 4.625%
HK$125,113
+HK$7,176/mo
Deposit HK$10.43M · loan HK$24.33M · min. income ≈ HK$235,874/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,477,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,462
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$126,773
−HK$3,359/mo
Today · 4.125%
HK$130,132
baseline
▲ 0.50% · 4.625%
HK$136,992
+HK$6,860/mo
Deposit HK$10.43M · loan HK$24.33M · min. income ≈ HK$260,264/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,477,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,686
−HK$8,948/mo
▼ 0.25% · 3.875%
HK$147,124
−HK$4,510/mo
Today · 4.125%
HK$151,634
baseline
▲ 0.50% · 4.625%
HK$160,860
+HK$9,226/mo
Deposit HK$3.48M · loan HK$31.29M · min. income ≈ HK$303,268/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,477,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,737
−HK$8,576/mo
▼ 0.25% · 3.875%
HK$162,994
−HK$4,319/mo
Today · 4.125%
HK$167,313
baseline
▲ 0.50% · 4.625%
HK$176,132
+HK$8,819/mo
Deposit HK$3.48M · loan HK$31.29M · min. income ≈ HK$334,626/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,477,454 · Scale 2, in force from 26 Feb 2026)