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$73,905
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$76,204
−HK$2,335/mo
Today · 4.125%
HK$78,539
baseline
▲ 0.50% · 4.625%
HK$83,318
+HK$4,779/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$157,078/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,218
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,423
−HK$2,237/mo
Today · 4.125%
HK$86,660
baseline
▲ 0.50% · 4.625%
HK$91,228
+HK$4,568/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$173,320/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,686
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$91,444
−HK$2,803/mo
Today · 4.125%
HK$94,247
baseline
▲ 0.50% · 4.625%
HK$99,982
+HK$5,735/mo
Deposit HK$12.96M · loan HK$19.45M · min. income ≈ HK$188,494/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,662
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$101,308
−HK$2,684/mo
Today · 4.125%
HK$103,992
baseline
▲ 0.50% · 4.625%
HK$109,474
+HK$5,482/mo
Deposit HK$12.96M · loan HK$19.45M · min. income ≈ HK$207,984/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,467
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$106,685
−HK$3,270/mo
Today · 4.125%
HK$109,955
baseline
▲ 0.50% · 4.625%
HK$116,645
+HK$6,690/mo
Deposit HK$9.72M · loan HK$22.69M · min. income ≈ HK$219,910/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,105
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$118,193
−HK$3,131/mo
Today · 4.125%
HK$121,324
baseline
▲ 0.50% · 4.625%
HK$127,719
+HK$6,395/mo
Deposit HK$9.72M · loan HK$22.69M · min. income ≈ HK$242,648/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,028
−HK$8,342/mo
▼ 0.25% · 3.875%
HK$137,166
−HK$4,204/mo
Today · 4.125%
HK$141,370
baseline
▲ 0.50% · 4.625%
HK$149,972
+HK$8,602/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$282,740/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,993
−HK$7,995/mo
▼ 0.25% · 3.875%
HK$151,962
−HK$4,026/mo
Today · 4.125%
HK$155,988
baseline
▲ 0.50% · 4.625%
HK$164,211
+HK$8,223/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$311,976/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,454 · Scale 2, in force from 26 Feb 2026)