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$74,176
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$76,484
−HK$2,344/mo
Today · 4.125%
HK$78,828
baseline
▲ 0.50% · 4.625%
HK$83,624
+HK$4,796/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$157,656/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,520
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$84,734
−HK$2,245/mo
Today · 4.125%
HK$86,979
baseline
▲ 0.50% · 4.625%
HK$91,564
+HK$4,585/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$173,958/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,012
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$91,780
−HK$2,813/mo
Today · 4.125%
HK$94,593
baseline
▲ 0.50% · 4.625%
HK$100,349
+HK$5,756/mo
Deposit HK$13.01M · loan HK$19.52M · min. income ≈ HK$189,186/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,025
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$101,680
−HK$2,695/mo
Today · 4.125%
HK$104,375
baseline
▲ 0.50% · 4.625%
HK$109,876
+HK$5,501/mo
Deposit HK$13.01M · loan HK$19.52M · min. income ≈ HK$208,750/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,847
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$107,077
−HK$3,282/mo
Today · 4.125%
HK$110,359
baseline
▲ 0.50% · 4.625%
HK$117,074
+HK$6,715/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$220,718/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,529
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$118,627
−HK$3,143/mo
Today · 4.125%
HK$121,770
baseline
▲ 0.50% · 4.625%
HK$128,189
+HK$6,419/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$243,540/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,517
−HK$8,373/mo
▼ 0.25% · 3.875%
HK$137,671
−HK$4,219/mo
Today · 4.125%
HK$141,890
baseline
▲ 0.50% · 4.625%
HK$150,524
+HK$8,634/mo
Deposit HK$3.25M · loan HK$29.28M · min. income ≈ HK$283,780/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,537
−HK$8,025/mo
▼ 0.25% · 3.875%
HK$152,520
−HK$4,042/mo
Today · 4.125%
HK$156,562
baseline
▲ 0.50% · 4.625%
HK$164,814
+HK$8,252/mo
Deposit HK$3.25M · loan HK$29.28M · min. income ≈ HK$313,124/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,518 · Scale 2, in force from 26 Feb 2026)