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$78,311
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,747
−HK$2,475/mo
Today · 4.125%
HK$83,222
baseline
▲ 0.50% · 4.625%
HK$88,286
+HK$5,064/mo
Deposit HK$17.17M · loan HK$17.17M · min. income ≈ HK$166,444/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,459,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,120
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,457
−HK$2,370/mo
Today · 4.125%
HK$91,827
baseline
▲ 0.50% · 4.625%
HK$96,668
+HK$4,841/mo
Deposit HK$17.17M · loan HK$17.17M · min. income ≈ HK$183,654/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,459,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,973
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$96,897
−HK$2,969/mo
Today · 4.125%
HK$99,866
baseline
▲ 0.50% · 4.625%
HK$105,943
+HK$6,077/mo
Deposit HK$13.74M · loan HK$20.61M · min. income ≈ HK$199,732/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,459,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,545
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$107,348
−HK$2,845/mo
Today · 4.125%
HK$110,193
baseline
▲ 0.50% · 4.625%
HK$116,001
+HK$5,808/mo
Deposit HK$13.74M · loan HK$20.61M · min. income ≈ HK$220,386/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,459,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,636
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$113,046
−HK$3,465/mo
Today · 4.125%
HK$116,511
baseline
▲ 0.50% · 4.625%
HK$123,600
+HK$7,089/mo
Deposit HK$10.30M · loan HK$24.04M · min. income ≈ HK$233,022/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,459,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,969
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$125,240
−HK$3,318/mo
Today · 4.125%
HK$128,558
baseline
▲ 0.50% · 4.625%
HK$135,335
+HK$6,777/mo
Deposit HK$10.30M · loan HK$24.04M · min. income ≈ HK$257,116/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,459,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,960
−HK$8,840/mo
▼ 0.25% · 3.875%
HK$145,345
−HK$4,455/mo
Today · 4.125%
HK$149,800
baseline
▲ 0.50% · 4.625%
HK$158,915
+HK$9,115/mo
Deposit HK$3.43M · loan HK$30.91M · min. income ≈ HK$299,600/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,459,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,817
−HK$8,472/mo
▼ 0.25% · 3.875%
HK$161,023
−HK$4,266/mo
Today · 4.125%
HK$165,289
baseline
▲ 0.50% · 4.625%
HK$174,002
+HK$8,713/mo
Deposit HK$3.43M · loan HK$30.91M · min. income ≈ HK$330,578/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,459,585 · Scale 2, in force from 26 Feb 2026)