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$73,795
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,090
−HK$2,332/mo
Today · 4.125%
HK$78,422
baseline
▲ 0.50% · 4.625%
HK$83,194
+HK$4,772/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$156,844/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,096
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,298
−HK$2,233/mo
Today · 4.125%
HK$86,531
baseline
▲ 0.50% · 4.625%
HK$91,092
+HK$4,561/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$173,062/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,554
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$91,308
−HK$2,799/mo
Today · 4.125%
HK$94,107
baseline
▲ 0.50% · 4.625%
HK$99,833
+HK$5,726/mo
Deposit HK$12.94M · loan HK$19.42M · min. income ≈ HK$188,214/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,515
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$101,157
−HK$2,680/mo
Today · 4.125%
HK$103,837
baseline
▲ 0.50% · 4.625%
HK$109,311
+HK$5,474/mo
Deposit HK$12.94M · loan HK$19.42M · min. income ≈ HK$207,674/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,312
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$106,526
−HK$3,265/mo
Today · 4.125%
HK$109,791
baseline
▲ 0.50% · 4.625%
HK$116,472
+HK$6,681/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$219,582/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,934
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$118,017
−HK$3,127/mo
Today · 4.125%
HK$121,144
baseline
▲ 0.50% · 4.625%
HK$127,529
+HK$6,385/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$242,288/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,830
−HK$8,330/mo
▼ 0.25% · 3.875%
HK$136,962
−HK$4,198/mo
Today · 4.125%
HK$141,160
baseline
▲ 0.50% · 4.625%
HK$149,749
+HK$8,589/mo
Deposit HK$3.24M · loan HK$29.13M · min. income ≈ HK$282,320/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,772
−HK$7,984/mo
▼ 0.25% · 3.875%
HK$151,736
−HK$4,020/mo
Today · 4.125%
HK$155,756
baseline
▲ 0.50% · 4.625%
HK$163,966
+HK$8,210/mo
Deposit HK$3.24M · loan HK$29.13M · min. income ≈ HK$311,512/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,403 · Scale 2, in force from 26 Feb 2026)