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$77,262
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,666
−HK$2,441/mo
Today · 4.125%
HK$82,107
baseline
▲ 0.50% · 4.625%
HK$87,103
+HK$4,996/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$164,214/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,440,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,953
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,259
−HK$2,338/mo
Today · 4.125%
HK$90,597
baseline
▲ 0.50% · 4.625%
HK$95,373
+HK$4,776/mo
Deposit HK$16.94M · loan HK$16.94M · min. income ≈ HK$181,194/mo (50% DSR)
Upfront cash ≈ HK$18.38M (deposit + AVD stamp duty HK$1,440,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,715
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$95,599
−HK$2,930/mo
Today · 4.125%
HK$98,529
baseline
▲ 0.50% · 4.625%
HK$104,524
+HK$5,995/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$197,058/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,440,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,144
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$105,910
−HK$2,807/mo
Today · 4.125%
HK$108,717
baseline
▲ 0.50% · 4.625%
HK$114,447
+HK$5,730/mo
Deposit HK$13.55M · loan HK$20.33M · min. income ≈ HK$217,434/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,440,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,167
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$111,532
−HK$3,418/mo
Today · 4.125%
HK$114,950
baseline
▲ 0.50% · 4.625%
HK$121,945
+HK$6,995/mo
Deposit HK$10.16M · loan HK$23.72M · min. income ≈ HK$229,900/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,440,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,335
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$123,562
−HK$3,274/mo
Today · 4.125%
HK$126,836
baseline
▲ 0.50% · 4.625%
HK$133,522
+HK$6,686/mo
Deposit HK$10.16M · loan HK$23.72M · min. income ≈ HK$253,672/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,440,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,072
−HK$8,721/mo
▼ 0.25% · 3.875%
HK$143,398
−HK$4,395/mo
Today · 4.125%
HK$147,793
baseline
▲ 0.50% · 4.625%
HK$156,786
+HK$8,993/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$295,586/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,716
−HK$8,359/mo
▼ 0.25% · 3.875%
HK$158,866
−HK$4,209/mo
Today · 4.125%
HK$163,075
baseline
▲ 0.50% · 4.625%
HK$171,671
+HK$8,596/mo
Deposit HK$3.39M · loan HK$30.49M · min. income ≈ HK$326,150/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$1,440,034 · Scale 2, in force from 26 Feb 2026)