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$77,830
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$80,251
−HK$2,459/mo
Today · 4.125%
HK$82,710
baseline
▲ 0.50% · 4.625%
HK$87,743
+HK$5,033/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$165,420/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,450,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,585
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$88,907
−HK$2,356/mo
Today · 4.125%
HK$91,263
baseline
▲ 0.50% · 4.625%
HK$96,073
+HK$4,810/mo
Deposit HK$17.07M · loan HK$17.07M · min. income ≈ HK$182,526/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,450,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,395
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$96,301
−HK$2,951/mo
Today · 4.125%
HK$99,252
baseline
▲ 0.50% · 4.625%
HK$105,291
+HK$6,039/mo
Deposit HK$13.65M · loan HK$20.48M · min. income ≈ HK$198,504/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,450,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,902
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$106,688
−HK$2,827/mo
Today · 4.125%
HK$109,515
baseline
▲ 0.50% · 4.625%
HK$115,288
+HK$5,773/mo
Deposit HK$13.65M · loan HK$20.48M · min. income ≈ HK$219,030/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,450,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,961
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$112,351
−HK$3,443/mo
Today · 4.125%
HK$115,794
baseline
▲ 0.50% · 4.625%
HK$122,840
+HK$7,046/mo
Deposit HK$10.24M · loan HK$23.89M · min. income ≈ HK$231,588/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,450,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,218
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$124,469
−HK$3,299/mo
Today · 4.125%
HK$127,768
baseline
▲ 0.50% · 4.625%
HK$134,502
+HK$6,734/mo
Deposit HK$10.24M · loan HK$23.89M · min. income ≈ HK$255,536/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,450,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,093
−HK$8,785/mo
▼ 0.25% · 3.875%
HK$144,451
−HK$4,427/mo
Today · 4.125%
HK$148,878
baseline
▲ 0.50% · 4.625%
HK$157,937
+HK$9,059/mo
Deposit HK$3.41M · loan HK$30.72M · min. income ≈ HK$297,756/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,450,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,852
−HK$8,421/mo
▼ 0.25% · 3.875%
HK$160,032
−HK$4,241/mo
Today · 4.125%
HK$164,273
baseline
▲ 0.50% · 4.625%
HK$172,932
+HK$8,659/mo
Deposit HK$3.41M · loan HK$30.72M · min. income ≈ HK$328,546/mo (50% DSR)
Upfront cash ≈ HK$4.86M (deposit + AVD stamp duty HK$1,450,608 · Scale 2, in force from 26 Feb 2026)