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$73,783
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,078
−HK$2,332/mo
Today · 4.125%
HK$78,410
baseline
▲ 0.50% · 4.625%
HK$83,181
+HK$4,771/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$156,820/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,375,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,083
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,284
−HK$2,233/mo
Today · 4.125%
HK$86,517
baseline
▲ 0.50% · 4.625%
HK$91,078
+HK$4,561/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$173,034/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,375,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,539
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$91,294
−HK$2,798/mo
Today · 4.125%
HK$94,092
baseline
▲ 0.50% · 4.625%
HK$99,817
+HK$5,725/mo
Deposit HK$12.94M · loan HK$19.41M · min. income ≈ HK$188,184/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,499
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$101,141
−HK$2,680/mo
Today · 4.125%
HK$103,821
baseline
▲ 0.50% · 4.625%
HK$109,293
+HK$5,472/mo
Deposit HK$12.94M · loan HK$19.41M · min. income ≈ HK$207,642/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,296
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$106,509
−HK$3,265/mo
Today · 4.125%
HK$109,774
baseline
▲ 0.50% · 4.625%
HK$116,453
+HK$6,679/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$219,548/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,916
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$117,998
−HK$3,126/mo
Today · 4.125%
HK$121,124
baseline
▲ 0.50% · 4.625%
HK$127,509
+HK$6,385/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$242,248/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,809
−HK$8,328/mo
▼ 0.25% · 3.875%
HK$136,940
−HK$4,197/mo
Today · 4.125%
HK$141,137
baseline
▲ 0.50% · 4.625%
HK$149,725
+HK$8,588/mo
Deposit HK$3.24M · loan HK$29.12M · min. income ≈ HK$282,274/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,749
−HK$7,982/mo
▼ 0.25% · 3.875%
HK$151,711
−HK$4,020/mo
Today · 4.125%
HK$155,731
baseline
▲ 0.50% · 4.625%
HK$163,940
+HK$8,209/mo
Deposit HK$3.24M · loan HK$29.12M · min. income ≈ HK$311,462/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,184 · Scale 2, in force from 26 Feb 2026)