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$76,787
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,175
−HK$2,427/mo
Today · 4.125%
HK$81,602
baseline
▲ 0.50% · 4.625%
HK$86,567
+HK$4,965/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$163,204/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,431,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,424
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,715
−HK$2,324/mo
Today · 4.125%
HK$90,039
baseline
▲ 0.50% · 4.625%
HK$94,786
+HK$4,747/mo
Deposit HK$16.84M · loan HK$16.84M · min. income ≈ HK$180,078/mo (50% DSR)
Upfront cash ≈ HK$18.27M (deposit + AVD stamp duty HK$1,431,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,144
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$95,010
−HK$2,912/mo
Today · 4.125%
HK$97,922
baseline
▲ 0.50% · 4.625%
HK$103,880
+HK$5,958/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$195,844/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,431,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,509
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$105,258
−HK$2,789/mo
Today · 4.125%
HK$108,047
baseline
▲ 0.50% · 4.625%
HK$113,743
+HK$5,696/mo
Deposit HK$13.47M · loan HK$20.20M · min. income ≈ HK$216,094/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,431,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,501
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$110,845
−HK$3,397/mo
Today · 4.125%
HK$114,242
baseline
▲ 0.50% · 4.625%
HK$121,194
+HK$6,952/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$228,484/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,431,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,594
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$122,801
−HK$3,254/mo
Today · 4.125%
HK$126,055
baseline
▲ 0.50% · 4.625%
HK$132,700
+HK$6,645/mo
Deposit HK$10.10M · loan HK$23.57M · min. income ≈ HK$252,110/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,431,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,216
−HK$8,667/mo
▼ 0.25% · 3.875%
HK$142,515
−HK$4,368/mo
Today · 4.125%
HK$146,883
baseline
▲ 0.50% · 4.625%
HK$155,821
+HK$8,938/mo
Deposit HK$3.37M · loan HK$30.31M · min. income ≈ HK$293,766/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,764
−HK$8,307/mo
▼ 0.25% · 3.875%
HK$157,887
−HK$4,184/mo
Today · 4.125%
HK$162,071
baseline
▲ 0.50% · 4.625%
HK$170,614
+HK$8,543/mo
Deposit HK$3.37M · loan HK$30.31M · min. income ≈ HK$324,142/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$1,431,167 · Scale 2, in force from 26 Feb 2026)