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$81,000
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,519
−HK$2,560/mo
Today · 4.125%
HK$86,079
baseline
▲ 0.50% · 4.625%
HK$91,317
+HK$5,238/mo
Deposit HK$17.76M · loan HK$17.76M · min. income ≈ HK$172,158/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,509,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,111
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,528
−HK$2,452/mo
Today · 4.125%
HK$94,980
baseline
▲ 0.50% · 4.625%
HK$99,986
+HK$5,006/mo
Deposit HK$17.76M · loan HK$17.76M · min. income ≈ HK$189,960/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,509,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,199
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$100,223
−HK$3,072/mo
Today · 4.125%
HK$103,295
baseline
▲ 0.50% · 4.625%
HK$109,580
+HK$6,285/mo
Deposit HK$14.21M · loan HK$21.31M · min. income ≈ HK$206,590/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,509,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,133
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$111,034
−HK$2,942/mo
Today · 4.125%
HK$113,976
baseline
▲ 0.50% · 4.625%
HK$119,983
+HK$6,007/mo
Deposit HK$14.21M · loan HK$21.31M · min. income ≈ HK$227,952/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,509,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,399
−HK$7,112/mo
▼ 0.25% · 3.875%
HK$116,927
−HK$3,584/mo
Today · 4.125%
HK$120,511
baseline
▲ 0.50% · 4.625%
HK$127,843
+HK$7,332/mo
Deposit HK$10.66M · loan HK$24.87M · min. income ≈ HK$241,022/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,509,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,156
−HK$6,815/mo
▼ 0.25% · 3.875%
HK$129,539
−HK$3,432/mo
Today · 4.125%
HK$132,971
baseline
▲ 0.50% · 4.625%
HK$139,981
+HK$7,010/mo
Deposit HK$10.66M · loan HK$24.87M · min. income ≈ HK$265,942/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,509,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,799
−HK$9,143/mo
▼ 0.25% · 3.875%
HK$150,334
−HK$4,608/mo
Today · 4.125%
HK$154,942
baseline
▲ 0.50% · 4.625%
HK$164,370
+HK$9,428/mo
Deposit HK$3.55M · loan HK$31.97M · min. income ≈ HK$309,884/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,509,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,200
−HK$8,763/mo
▼ 0.25% · 3.875%
HK$166,550
−HK$4,413/mo
Today · 4.125%
HK$170,963
baseline
▲ 0.50% · 4.625%
HK$179,975
+HK$9,012/mo
Deposit HK$3.55M · loan HK$31.97M · min. income ≈ HK$341,926/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,509,691 · Scale 2, in force from 26 Feb 2026)