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$76,218
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,589
−HK$2,409/mo
Today · 4.125%
HK$80,998
baseline
▲ 0.50% · 4.625%
HK$85,926
+HK$4,928/mo
Deposit HK$16.71M · loan HK$16.71M · min. income ≈ HK$161,996/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,420,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,792
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,066
−HK$2,307/mo
Today · 4.125%
HK$89,373
baseline
▲ 0.50% · 4.625%
HK$94,084
+HK$4,711/mo
Deposit HK$16.71M · loan HK$16.71M · min. income ≈ HK$178,746/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,420,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,462
−HK$5,735/mo
▼ 0.25% · 3.875%
HK$94,307
−HK$2,890/mo
Today · 4.125%
HK$97,197
baseline
▲ 0.50% · 4.625%
HK$103,112
+HK$5,915/mo
Deposit HK$13.37M · loan HK$20.06M · min. income ≈ HK$194,394/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,751
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$104,479
−HK$2,769/mo
Today · 4.125%
HK$107,248
baseline
▲ 0.50% · 4.625%
HK$112,901
+HK$5,653/mo
Deposit HK$13.37M · loan HK$20.06M · min. income ≈ HK$214,496/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,420,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,706
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$110,025
−HK$3,372/mo
Today · 4.125%
HK$113,397
baseline
▲ 0.50% · 4.625%
HK$120,297
+HK$6,900/mo
Deposit HK$10.03M · loan HK$23.40M · min. income ≈ HK$226,794/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,420,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,709
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$121,893
−HK$3,229/mo
Today · 4.125%
HK$125,122
baseline
▲ 0.50% · 4.625%
HK$131,718
+HK$6,596/mo
Deposit HK$10.03M · loan HK$23.40M · min. income ≈ HK$250,244/mo (50% DSR)
Upfront cash ≈ HK$11.45M (deposit + AVD stamp duty HK$1,420,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,193
−HK$8,603/mo
▼ 0.25% · 3.875%
HK$141,460
−HK$4,336/mo
Today · 4.125%
HK$145,796
baseline
▲ 0.50% · 4.625%
HK$154,668
+HK$8,872/mo
Deposit HK$3.34M · loan HK$30.08M · min. income ≈ HK$291,592/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,626
−HK$8,246/mo
▼ 0.25% · 3.875%
HK$156,719
−HK$4,153/mo
Today · 4.125%
HK$160,872
baseline
▲ 0.50% · 4.625%
HK$169,351
+HK$8,479/mo
Deposit HK$3.34M · loan HK$30.08M · min. income ≈ HK$321,744/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$1,420,577 · Scale 2, in force from 26 Feb 2026)