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$74,342
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,654
−HK$2,350/mo
Today · 4.125%
HK$79,004
baseline
▲ 0.50% · 4.625%
HK$83,811
+HK$4,807/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$158,008/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,705
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,923
−HK$2,250/mo
Today · 4.125%
HK$87,173
baseline
▲ 0.50% · 4.625%
HK$91,768
+HK$4,595/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$174,346/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,210
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$91,985
−HK$2,820/mo
Today · 4.125%
HK$94,805
baseline
▲ 0.50% · 4.625%
HK$100,573
+HK$5,768/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$189,610/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,246
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,907
−HK$2,700/mo
Today · 4.125%
HK$104,607
baseline
▲ 0.50% · 4.625%
HK$110,121
+HK$5,514/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$209,214/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,079
−HK$6,526/mo
▼ 0.25% · 3.875%
HK$107,316
−HK$3,289/mo
Today · 4.125%
HK$110,605
baseline
▲ 0.50% · 4.625%
HK$117,335
+HK$6,730/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$221,210/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,786
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$118,892
−HK$3,150/mo
Today · 4.125%
HK$122,042
baseline
▲ 0.50% · 4.625%
HK$128,475
+HK$6,433/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$244,084/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,815
−HK$8,392/mo
▼ 0.25% · 3.875%
HK$137,978
−HK$4,229/mo
Today · 4.125%
HK$142,207
baseline
▲ 0.50% · 4.625%
HK$150,860
+HK$8,653/mo
Deposit HK$3.26M · loan HK$29.34M · min. income ≈ HK$284,414/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,868
−HK$8,043/mo
▼ 0.25% · 3.875%
HK$152,861
−HK$4,050/mo
Today · 4.125%
HK$156,911
baseline
▲ 0.50% · 4.625%
HK$165,182
+HK$8,271/mo
Deposit HK$3.26M · loan HK$29.34M · min. income ≈ HK$313,822/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,604 · Scale 2, in force from 26 Feb 2026)