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$77,314
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,719
−HK$2,443/mo
Today · 4.125%
HK$82,162
baseline
▲ 0.50% · 4.625%
HK$87,162
+HK$5,000/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$164,324/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,011
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,318
−HK$2,340/mo
Today · 4.125%
HK$90,658
baseline
▲ 0.50% · 4.625%
HK$95,437
+HK$4,779/mo
Deposit HK$16.95M · loan HK$16.95M · min. income ≈ HK$181,316/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,440,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,777
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,663
−HK$2,932/mo
Today · 4.125%
HK$98,595
baseline
▲ 0.50% · 4.625%
HK$104,594
+HK$5,999/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$197,190/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,213
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$105,981
−HK$2,809/mo
Today · 4.125%
HK$108,790
baseline
▲ 0.50% · 4.625%
HK$114,524
+HK$5,734/mo
Deposit HK$13.56M · loan HK$20.34M · min. income ≈ HK$217,580/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,440,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,240
−HK$6,787/mo
▼ 0.25% · 3.875%
HK$111,606
−HK$3,421/mo
Today · 4.125%
HK$115,027
baseline
▲ 0.50% · 4.625%
HK$122,026
+HK$6,999/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$230,054/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,415
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$123,645
−HK$3,276/mo
Today · 4.125%
HK$126,921
baseline
▲ 0.50% · 4.625%
HK$133,611
+HK$6,690/mo
Deposit HK$10.17M · loan HK$23.73M · min. income ≈ HK$253,842/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,440,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,165
−HK$8,727/mo
▼ 0.25% · 3.875%
HK$143,494
−HK$4,398/mo
Today · 4.125%
HK$147,892
baseline
▲ 0.50% · 4.625%
HK$156,891
+HK$8,999/mo
Deposit HK$3.39M · loan HK$30.52M · min. income ≈ HK$295,784/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,820
−HK$8,364/mo
▼ 0.25% · 3.875%
HK$158,972
−HK$4,212/mo
Today · 4.125%
HK$163,184
baseline
▲ 0.50% · 4.625%
HK$171,786
+HK$8,602/mo
Deposit HK$3.39M · loan HK$30.52M · min. income ≈ HK$326,368/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,999 · Scale 2, in force from 26 Feb 2026)