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$74,077
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,381
−HK$2,341/mo
Today · 4.125%
HK$78,722
baseline
▲ 0.50% · 4.625%
HK$83,512
+HK$4,790/mo
Deposit HK$16.24M · loan HK$16.24M · min. income ≈ HK$157,444/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,380,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,410
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,620
−HK$2,242/mo
Today · 4.125%
HK$86,862
baseline
▲ 0.50% · 4.625%
HK$91,441
+HK$4,579/mo
Deposit HK$16.24M · loan HK$16.24M · min. income ≈ HK$173,724/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,380,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,892
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,657
−HK$2,810/mo
Today · 4.125%
HK$94,467
baseline
▲ 0.50% · 4.625%
HK$100,215
+HK$5,748/mo
Deposit HK$12.99M · loan HK$19.49M · min. income ≈ HK$188,934/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,380,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,892
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$101,544
−HK$2,691/mo
Today · 4.125%
HK$104,235
baseline
▲ 0.50% · 4.625%
HK$109,729
+HK$5,494/mo
Deposit HK$12.99M · loan HK$19.49M · min. income ≈ HK$208,470/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,380,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,708
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$106,934
−HK$3,277/mo
Today · 4.125%
HK$110,211
baseline
▲ 0.50% · 4.625%
HK$116,917
+HK$6,706/mo
Deposit HK$9.75M · loan HK$22.74M · min. income ≈ HK$220,422/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,380,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,374
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$118,468
−HK$3,139/mo
Today · 4.125%
HK$121,607
baseline
▲ 0.50% · 4.625%
HK$128,017
+HK$6,410/mo
Deposit HK$9.75M · loan HK$22.74M · min. income ≈ HK$243,214/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,380,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,338
−HK$8,362/mo
▼ 0.25% · 3.875%
HK$137,486
−HK$4,214/mo
Today · 4.125%
HK$141,700
baseline
▲ 0.50% · 4.625%
HK$150,322
+HK$8,622/mo
Deposit HK$3.25M · loan HK$29.24M · min. income ≈ HK$283,400/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,380,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,338
−HK$8,014/mo
▼ 0.25% · 3.875%
HK$152,316
−HK$4,036/mo
Today · 4.125%
HK$156,352
baseline
▲ 0.50% · 4.625%
HK$164,593
+HK$8,241/mo
Deposit HK$3.25M · loan HK$29.24M · min. income ≈ HK$312,704/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,380,665 · Scale 2, in force from 26 Feb 2026)