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$75,060
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,395
−HK$2,372/mo
Today · 4.125%
HK$79,767
baseline
▲ 0.50% · 4.625%
HK$84,621
+HK$4,854/mo
Deposit HK$16.46M · loan HK$16.46M · min. income ≈ HK$159,534/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,398,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,504
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,743
−HK$2,272/mo
Today · 4.125%
HK$88,015
baseline
▲ 0.50% · 4.625%
HK$92,654
+HK$4,639/mo
Deposit HK$16.46M · loan HK$16.46M · min. income ≈ HK$176,030/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,398,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,072
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$92,874
−HK$2,846/mo
Today · 4.125%
HK$95,720
baseline
▲ 0.50% · 4.625%
HK$101,545
+HK$5,825/mo
Deposit HK$13.17M · loan HK$19.75M · min. income ≈ HK$191,440/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,398,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,204
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$102,892
−HK$2,726/mo
Today · 4.125%
HK$105,618
baseline
▲ 0.50% · 4.625%
HK$111,185
+HK$5,567/mo
Deposit HK$13.17M · loan HK$19.75M · min. income ≈ HK$211,236/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,398,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,084
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$108,353
−HK$3,321/mo
Today · 4.125%
HK$111,674
baseline
▲ 0.50% · 4.625%
HK$118,469
+HK$6,795/mo
Deposit HK$9.88M · loan HK$23.04M · min. income ≈ HK$223,348/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,905
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$120,040
−HK$3,181/mo
Today · 4.125%
HK$123,221
baseline
▲ 0.50% · 4.625%
HK$129,716
+HK$6,495/mo
Deposit HK$9.88M · loan HK$23.04M · min. income ≈ HK$246,442/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,108
−HK$8,473/mo
▼ 0.25% · 3.875%
HK$139,311
−HK$4,270/mo
Today · 4.125%
HK$143,581
baseline
▲ 0.50% · 4.625%
HK$152,317
+HK$8,736/mo
Deposit HK$3.29M · loan HK$29.63M · min. income ≈ HK$287,162/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,307
−HK$8,120/mo
▼ 0.25% · 3.875%
HK$154,338
−HK$4,089/mo
Today · 4.125%
HK$158,427
baseline
▲ 0.50% · 4.625%
HK$166,778
+HK$8,351/mo
Deposit HK$3.29M · loan HK$29.63M · min. income ≈ HK$316,854/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,990 · Scale 2, in force from 26 Feb 2026)