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$80,411
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,912
−HK$2,542/mo
Today · 4.125%
HK$85,454
baseline
▲ 0.50% · 4.625%
HK$90,653
+HK$5,199/mo
Deposit HK$17.63M · loan HK$17.63M · min. income ≈ HK$170,908/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,498,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,457
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,856
−HK$2,434/mo
Today · 4.125%
HK$94,290
baseline
▲ 0.50% · 4.625%
HK$99,260
+HK$4,970/mo
Deposit HK$17.63M · loan HK$17.63M · min. income ≈ HK$188,580/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,498,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,493
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$99,495
−HK$3,049/mo
Today · 4.125%
HK$102,544
baseline
▲ 0.50% · 4.625%
HK$108,784
+HK$6,240/mo
Deposit HK$14.11M · loan HK$21.16M · min. income ≈ HK$205,088/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,498,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,348
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$110,227
−HK$2,921/mo
Today · 4.125%
HK$113,148
baseline
▲ 0.50% · 4.625%
HK$119,112
+HK$5,964/mo
Deposit HK$14.11M · loan HK$21.16M · min. income ≈ HK$226,296/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,498,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,576
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$116,077
−HK$3,558/mo
Today · 4.125%
HK$119,635
baseline
▲ 0.50% · 4.625%
HK$126,915
+HK$7,280/mo
Deposit HK$10.58M · loan HK$24.68M · min. income ≈ HK$239,270/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,498,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,239
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$128,598
−HK$3,408/mo
Today · 4.125%
HK$132,006
baseline
▲ 0.50% · 4.625%
HK$138,964
+HK$6,958/mo
Deposit HK$10.58M · loan HK$24.68M · min. income ≈ HK$264,012/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,498,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,740
−HK$9,077/mo
▼ 0.25% · 3.875%
HK$149,242
−HK$4,575/mo
Today · 4.125%
HK$153,817
baseline
▲ 0.50% · 4.625%
HK$163,176
+HK$9,359/mo
Deposit HK$3.53M · loan HK$31.74M · min. income ≈ HK$307,634/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,498,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,022
−HK$8,700/mo
▼ 0.25% · 3.875%
HK$165,341
−HK$4,381/mo
Today · 4.125%
HK$169,722
baseline
▲ 0.50% · 4.625%
HK$178,668
+HK$8,946/mo
Deposit HK$3.53M · loan HK$31.74M · min. income ≈ HK$339,444/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,498,725 · Scale 2, in force from 26 Feb 2026)