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$78,457
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,898
−HK$2,479/mo
Today · 4.125%
HK$83,377
baseline
▲ 0.50% · 4.625%
HK$88,451
+HK$5,074/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$166,754/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,462,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,283
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$89,624
−HK$2,375/mo
Today · 4.125%
HK$91,999
baseline
▲ 0.50% · 4.625%
HK$96,848
+HK$4,849/mo
Deposit HK$17.20M · loan HK$17.20M · min. income ≈ HK$183,998/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,462,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,149
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$97,078
−HK$2,975/mo
Today · 4.125%
HK$100,053
baseline
▲ 0.50% · 4.625%
HK$106,141
+HK$6,088/mo
Deposit HK$13.76M · loan HK$20.64M · min. income ≈ HK$200,106/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,462,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,740
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$107,549
−HK$2,850/mo
Today · 4.125%
HK$110,399
baseline
▲ 0.50% · 4.625%
HK$116,218
+HK$5,819/mo
Deposit HK$13.76M · loan HK$20.64M · min. income ≈ HK$220,798/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,462,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,840
−HK$6,888/mo
▼ 0.25% · 3.875%
HK$113,257
−HK$3,471/mo
Today · 4.125%
HK$116,728
baseline
▲ 0.50% · 4.625%
HK$123,831
+HK$7,103/mo
Deposit HK$10.32M · loan HK$24.09M · min. income ≈ HK$233,456/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,462,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,196
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$125,474
−HK$3,324/mo
Today · 4.125%
HK$128,798
baseline
▲ 0.50% · 4.625%
HK$135,587
+HK$6,789/mo
Deposit HK$10.32M · loan HK$24.09M · min. income ≈ HK$257,596/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,462,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,223
−HK$8,856/mo
▼ 0.25% · 3.875%
HK$145,616
−HK$4,463/mo
Today · 4.125%
HK$150,079
baseline
▲ 0.50% · 4.625%
HK$159,211
+HK$9,132/mo
Deposit HK$3.44M · loan HK$30.97M · min. income ≈ HK$300,158/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,462,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,110
−HK$8,488/mo
▼ 0.25% · 3.875%
HK$161,323
−HK$4,275/mo
Today · 4.125%
HK$165,598
baseline
▲ 0.50% · 4.625%
HK$174,327
+HK$8,729/mo
Deposit HK$3.44M · loan HK$30.97M · min. income ≈ HK$331,196/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,462,311 · Scale 2, in force from 26 Feb 2026)