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$80,196
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,690
−HK$2,535/mo
Today · 4.125%
HK$85,225
baseline
▲ 0.50% · 4.625%
HK$90,410
+HK$5,185/mo
Deposit HK$17.58M · loan HK$17.58M · min. income ≈ HK$170,450/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,494,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,217
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,610
−HK$2,427/mo
Today · 4.125%
HK$94,037
baseline
▲ 0.50% · 4.625%
HK$98,994
+HK$4,957/mo
Deposit HK$17.58M · loan HK$17.58M · min. income ≈ HK$188,074/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,494,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,235
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$99,228
−HK$3,042/mo
Today · 4.125%
HK$102,270
baseline
▲ 0.50% · 4.625%
HK$108,492
+HK$6,222/mo
Deposit HK$14.07M · loan HK$21.10M · min. income ≈ HK$204,540/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,494,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,060
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$109,932
−HK$2,912/mo
Today · 4.125%
HK$112,844
baseline
▲ 0.50% · 4.625%
HK$118,793
+HK$5,949/mo
Deposit HK$14.07M · loan HK$21.10M · min. income ≈ HK$225,688/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,494,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,274
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$115,766
−HK$3,549/mo
Today · 4.125%
HK$119,315
baseline
▲ 0.50% · 4.625%
HK$126,575
+HK$7,260/mo
Deposit HK$10.55M · loan HK$24.62M · min. income ≈ HK$238,630/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,494,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,904
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$128,254
−HK$3,398/mo
Today · 4.125%
HK$131,652
baseline
▲ 0.50% · 4.625%
HK$138,591
+HK$6,939/mo
Deposit HK$10.55M · loan HK$24.62M · min. income ≈ HK$263,304/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,494,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,352
−HK$9,052/mo
▼ 0.25% · 3.875%
HK$148,842
−HK$4,562/mo
Today · 4.125%
HK$153,404
baseline
▲ 0.50% · 4.625%
HK$162,739
+HK$9,335/mo
Deposit HK$3.52M · loan HK$31.65M · min. income ≈ HK$306,808/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,494,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,590
−HK$8,677/mo
▼ 0.25% · 3.875%
HK$164,897
−HK$4,370/mo
Today · 4.125%
HK$169,267
baseline
▲ 0.50% · 4.625%
HK$178,189
+HK$8,922/mo
Deposit HK$3.52M · loan HK$31.65M · min. income ≈ HK$338,534/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,494,708 · Scale 2, in force from 26 Feb 2026)