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$74,950
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,281
−HK$2,369/mo
Today · 4.125%
HK$79,650
baseline
▲ 0.50% · 4.625%
HK$84,496
+HK$4,846/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$159,300/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,396,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,381
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,617
−HK$2,269/mo
Today · 4.125%
HK$87,886
baseline
▲ 0.50% · 4.625%
HK$92,518
+HK$4,632/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$175,772/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,396,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,940
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,737
−HK$2,843/mo
Today · 4.125%
HK$95,580
baseline
▲ 0.50% · 4.625%
HK$101,395
+HK$5,815/mo
Deposit HK$13.15M · loan HK$19.72M · min. income ≈ HK$191,160/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,057
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$102,740
−HK$2,723/mo
Today · 4.125%
HK$105,463
baseline
▲ 0.50% · 4.625%
HK$111,022
+HK$5,559/mo
Deposit HK$13.15M · loan HK$19.72M · min. income ≈ HK$210,926/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,930
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$108,194
−HK$3,316/mo
Today · 4.125%
HK$111,510
baseline
▲ 0.50% · 4.625%
HK$118,295
+HK$6,785/mo
Deposit HK$9.86M · loan HK$23.01M · min. income ≈ HK$223,020/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,396,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,733
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$119,864
−HK$3,176/mo
Today · 4.125%
HK$123,040
baseline
▲ 0.50% · 4.625%
HK$129,525
+HK$6,485/mo
Deposit HK$9.86M · loan HK$23.01M · min. income ≈ HK$246,080/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,396,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,909
−HK$8,461/mo
▼ 0.25% · 3.875%
HK$139,106
−HK$4,264/mo
Today · 4.125%
HK$143,370
baseline
▲ 0.50% · 4.625%
HK$152,093
+HK$8,723/mo
Deposit HK$3.29M · loan HK$29.58M · min. income ≈ HK$286,740/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,085
−HK$8,109/mo
▼ 0.25% · 3.875%
HK$154,111
−HK$4,083/mo
Today · 4.125%
HK$158,194
baseline
▲ 0.50% · 4.625%
HK$166,533
+HK$8,339/mo
Deposit HK$3.29M · loan HK$29.58M · min. income ≈ HK$316,388/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,932 · Scale 2, in force from 26 Feb 2026)