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$80,406
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,908
−HK$2,541/mo
Today · 4.125%
HK$85,449
baseline
▲ 0.50% · 4.625%
HK$90,648
+HK$5,199/mo
Deposit HK$17.63M · loan HK$17.63M · min. income ≈ HK$170,898/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,498,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,451
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,850
−HK$2,434/mo
Today · 4.125%
HK$94,284
baseline
▲ 0.50% · 4.625%
HK$99,254
+HK$4,970/mo
Deposit HK$17.63M · loan HK$17.63M · min. income ≈ HK$188,568/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,498,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,488
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$99,489
−HK$3,049/mo
Today · 4.125%
HK$102,538
baseline
▲ 0.50% · 4.625%
HK$108,778
+HK$6,240/mo
Deposit HK$14.10M · loan HK$21.16M · min. income ≈ HK$205,076/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,498,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,342
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$110,221
−HK$2,920/mo
Today · 4.125%
HK$113,141
baseline
▲ 0.50% · 4.625%
HK$119,105
+HK$5,964/mo
Deposit HK$14.10M · loan HK$21.16M · min. income ≈ HK$226,282/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,498,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,569
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$116,071
−HK$3,557/mo
Today · 4.125%
HK$119,628
baseline
▲ 0.50% · 4.625%
HK$126,907
+HK$7,279/mo
Deposit HK$10.58M · loan HK$24.68M · min. income ≈ HK$239,256/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,498,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,232
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$128,591
−HK$3,407/mo
Today · 4.125%
HK$131,998
baseline
▲ 0.50% · 4.625%
HK$138,956
+HK$6,958/mo
Deposit HK$10.58M · loan HK$24.68M · min. income ≈ HK$263,996/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,498,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,732
−HK$9,076/mo
▼ 0.25% · 3.875%
HK$149,234
−HK$4,574/mo
Today · 4.125%
HK$153,808
baseline
▲ 0.50% · 4.625%
HK$163,166
+HK$9,358/mo
Deposit HK$3.53M · loan HK$31.74M · min. income ≈ HK$307,616/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,498,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,013
−HK$8,699/mo
▼ 0.25% · 3.875%
HK$165,331
−HK$4,381/mo
Today · 4.125%
HK$169,712
baseline
▲ 0.50% · 4.625%
HK$178,657
+HK$8,945/mo
Deposit HK$3.53M · loan HK$31.74M · min. income ≈ HK$339,424/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,498,637 · Scale 2, in force from 26 Feb 2026)