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$80,325
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$82,824
−HK$2,538/mo
Today · 4.125%
HK$85,362
baseline
▲ 0.50% · 4.625%
HK$90,556
+HK$5,194/mo
Deposit HK$17.61M · loan HK$17.61M · min. income ≈ HK$170,724/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,497,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,361
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,758
−HK$2,431/mo
Today · 4.125%
HK$94,189
baseline
▲ 0.50% · 4.625%
HK$99,154
+HK$4,965/mo
Deposit HK$17.61M · loan HK$17.61M · min. income ≈ HK$188,378/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,497,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,390
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$99,389
−HK$3,046/mo
Today · 4.125%
HK$102,435
baseline
▲ 0.50% · 4.625%
HK$108,668
+HK$6,233/mo
Deposit HK$14.09M · loan HK$21.14M · min. income ≈ HK$204,870/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,497,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,233
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$110,109
−HK$2,918/mo
Today · 4.125%
HK$113,027
baseline
▲ 0.50% · 4.625%
HK$118,984
+HK$5,957/mo
Deposit HK$14.09M · loan HK$21.14M · min. income ≈ HK$226,054/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,497,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,455
−HK$7,052/mo
▼ 0.25% · 3.875%
HK$115,953
−HK$3,554/mo
Today · 4.125%
HK$119,507
baseline
▲ 0.50% · 4.625%
HK$126,779
+HK$7,272/mo
Deposit HK$10.57M · loan HK$24.66M · min. income ≈ HK$239,014/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,497,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,105
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$128,461
−HK$3,403/mo
Today · 4.125%
HK$131,864
baseline
▲ 0.50% · 4.625%
HK$138,815
+HK$6,951/mo
Deposit HK$10.57M · loan HK$24.66M · min. income ≈ HK$263,728/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,497,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,585
−HK$9,067/mo
▼ 0.25% · 3.875%
HK$149,083
−HK$4,569/mo
Today · 4.125%
HK$153,652
baseline
▲ 0.50% · 4.625%
HK$163,002
+HK$9,350/mo
Deposit HK$3.52M · loan HK$31.70M · min. income ≈ HK$307,304/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,497,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,850
−HK$8,690/mo
▼ 0.25% · 3.875%
HK$165,164
−HK$4,376/mo
Today · 4.125%
HK$169,540
baseline
▲ 0.50% · 4.625%
HK$178,477
+HK$8,937/mo
Deposit HK$3.52M · loan HK$31.70M · min. income ≈ HK$339,080/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,497,123 · Scale 2, in force from 26 Feb 2026)