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$78,237
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,670
−HK$2,473/mo
Today · 4.125%
HK$83,143
baseline
▲ 0.50% · 4.625%
HK$88,202
+HK$5,059/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$166,286/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,458,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,038
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,372
−HK$2,368/mo
Today · 4.125%
HK$91,740
baseline
▲ 0.50% · 4.625%
HK$96,576
+HK$4,836/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$183,480/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,458,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,884
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,804
−HK$2,967/mo
Today · 4.125%
HK$99,771
baseline
▲ 0.50% · 4.625%
HK$105,842
+HK$6,071/mo
Deposit HK$13.72M · loan HK$20.59M · min. income ≈ HK$199,542/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,458,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,445
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,246
−HK$2,842/mo
Today · 4.125%
HK$110,088
baseline
▲ 0.50% · 4.625%
HK$115,891
+HK$5,803/mo
Deposit HK$13.72M · loan HK$20.59M · min. income ≈ HK$220,176/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,458,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,531
−HK$6,869/mo
▼ 0.25% · 3.875%
HK$112,938
−HK$3,462/mo
Today · 4.125%
HK$116,400
baseline
▲ 0.50% · 4.625%
HK$123,483
+HK$7,083/mo
Deposit HK$10.29M · loan HK$24.02M · min. income ≈ HK$232,800/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,853
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$125,121
−HK$3,315/mo
Today · 4.125%
HK$128,436
baseline
▲ 0.50% · 4.625%
HK$135,206
+HK$6,770/mo
Deposit HK$10.29M · loan HK$24.02M · min. income ≈ HK$256,872/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,826
−HK$8,831/mo
▼ 0.25% · 3.875%
HK$145,207
−HK$4,450/mo
Today · 4.125%
HK$149,657
baseline
▲ 0.50% · 4.625%
HK$158,763
+HK$9,106/mo
Deposit HK$3.43M · loan HK$30.88M · min. income ≈ HK$299,314/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,668
−HK$8,464/mo
▼ 0.25% · 3.875%
HK$160,869
−HK$4,263/mo
Today · 4.125%
HK$165,132
baseline
▲ 0.50% · 4.625%
HK$173,836
+HK$8,704/mo
Deposit HK$3.43M · loan HK$30.88M · min. income ≈ HK$330,264/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,196 · Scale 2, in force from 26 Feb 2026)