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$78,250
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,684
−HK$2,473/mo
Today · 4.125%
HK$83,157
baseline
▲ 0.50% · 4.625%
HK$88,217
+HK$5,060/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$166,314/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,052
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,387
−HK$2,368/mo
Today · 4.125%
HK$91,755
baseline
▲ 0.50% · 4.625%
HK$96,592
+HK$4,837/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$183,510/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,900
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$96,821
−HK$2,967/mo
Today · 4.125%
HK$99,788
baseline
▲ 0.50% · 4.625%
HK$105,860
+HK$6,072/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$199,576/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,458,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,463
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$107,264
−HK$2,843/mo
Today · 4.125%
HK$110,107
baseline
▲ 0.50% · 4.625%
HK$115,910
+HK$5,803/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$220,214/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,458,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,550
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$112,958
−HK$3,462/mo
Today · 4.125%
HK$116,420
baseline
▲ 0.50% · 4.625%
HK$123,504
+HK$7,084/mo
Deposit HK$10.29M · loan HK$24.02M · min. income ≈ HK$232,840/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,873
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$125,142
−HK$3,316/mo
Today · 4.125%
HK$128,458
baseline
▲ 0.50% · 4.625%
HK$135,229
+HK$6,771/mo
Deposit HK$10.29M · loan HK$24.02M · min. income ≈ HK$256,916/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,850
−HK$8,833/mo
▼ 0.25% · 3.875%
HK$145,231
−HK$4,452/mo
Today · 4.125%
HK$149,683
baseline
▲ 0.50% · 4.625%
HK$158,790
+HK$9,107/mo
Deposit HK$3.43M · loan HK$30.88M · min. income ≈ HK$299,366/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,694
−HK$8,466/mo
▼ 0.25% · 3.875%
HK$160,897
−HK$4,263/mo
Today · 4.125%
HK$165,160
baseline
▲ 0.50% · 4.625%
HK$173,866
+HK$8,706/mo
Deposit HK$3.43M · loan HK$30.88M · min. income ≈ HK$330,320/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,444 · Scale 2, in force from 26 Feb 2026)