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$80,198
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,692
−HK$2,535/mo
Today · 4.125%
HK$85,227
baseline
▲ 0.50% · 4.625%
HK$90,413
+HK$5,186/mo
Deposit HK$17.59M · loan HK$17.59M · min. income ≈ HK$170,454/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,494,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,219
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,612
−HK$2,428/mo
Today · 4.125%
HK$94,040
baseline
▲ 0.50% · 4.625%
HK$98,996
+HK$4,956/mo
Deposit HK$17.59M · loan HK$17.59M · min. income ≈ HK$188,080/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,494,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,237
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$99,231
−HK$3,041/mo
Today · 4.125%
HK$102,272
baseline
▲ 0.50% · 4.625%
HK$108,495
+HK$6,223/mo
Deposit HK$14.07M · loan HK$21.10M · min. income ≈ HK$204,544/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,494,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,063
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$109,935
−HK$2,912/mo
Today · 4.125%
HK$112,847
baseline
▲ 0.50% · 4.625%
HK$118,796
+HK$5,949/mo
Deposit HK$14.07M · loan HK$21.10M · min. income ≈ HK$225,694/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,494,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,277
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$115,769
−HK$3,549/mo
Today · 4.125%
HK$119,318
baseline
▲ 0.50% · 4.625%
HK$126,578
+HK$7,260/mo
Deposit HK$10.55M · loan HK$24.62M · min. income ≈ HK$238,636/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,494,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,907
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$128,257
−HK$3,398/mo
Today · 4.125%
HK$131,655
baseline
▲ 0.50% · 4.625%
HK$138,595
+HK$6,940/mo
Deposit HK$10.55M · loan HK$24.62M · min. income ≈ HK$263,310/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,494,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,356
−HK$9,053/mo
▼ 0.25% · 3.875%
HK$148,846
−HK$4,563/mo
Today · 4.125%
HK$153,409
baseline
▲ 0.50% · 4.625%
HK$162,743
+HK$9,334/mo
Deposit HK$3.52M · loan HK$31.65M · min. income ≈ HK$306,818/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,494,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,595
−HK$8,676/mo
▼ 0.25% · 3.875%
HK$164,902
−HK$4,369/mo
Today · 4.125%
HK$169,271
baseline
▲ 0.50% · 4.625%
HK$178,194
+HK$8,923/mo
Deposit HK$3.52M · loan HK$31.65M · min. income ≈ HK$338,542/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,494,748 · Scale 2, in force from 26 Feb 2026)