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$73,721
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,014
−HK$2,330/mo
Today · 4.125%
HK$78,344
baseline
▲ 0.50% · 4.625%
HK$83,111
+HK$4,767/mo
Deposit HK$16.17M · loan HK$16.17M · min. income ≈ HK$156,688/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,374,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,014
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,213
−HK$2,232/mo
Today · 4.125%
HK$86,445
baseline
▲ 0.50% · 4.625%
HK$91,001
+HK$4,556/mo
Deposit HK$16.17M · loan HK$16.17M · min. income ≈ HK$172,890/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,374,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,465
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$91,217
−HK$2,795/mo
Today · 4.125%
HK$94,012
baseline
▲ 0.50% · 4.625%
HK$99,733
+HK$5,721/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$188,024/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,374,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,416
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$101,056
−HK$2,678/mo
Today · 4.125%
HK$103,734
baseline
▲ 0.50% · 4.625%
HK$109,201
+HK$5,467/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$207,468/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,374,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,209
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$106,420
−HK$3,261/mo
Today · 4.125%
HK$109,681
baseline
▲ 0.50% · 4.625%
HK$116,355
+HK$6,674/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$219,362/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,374,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,819
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$117,899
−HK$3,123/mo
Today · 4.125%
HK$121,022
baseline
▲ 0.50% · 4.625%
HK$127,402
+HK$6,380/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$242,044/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,374,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,697
−HK$8,322/mo
▼ 0.25% · 3.875%
HK$136,825
−HK$4,194/mo
Today · 4.125%
HK$141,019
baseline
▲ 0.50% · 4.625%
HK$149,599
+HK$8,580/mo
Deposit HK$3.23M · loan HK$29.10M · min. income ≈ HK$282,038/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,374,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,625
−HK$7,975/mo
▼ 0.25% · 3.875%
HK$151,584
−HK$4,016/mo
Today · 4.125%
HK$155,600
baseline
▲ 0.50% · 4.625%
HK$163,802
+HK$8,202/mo
Deposit HK$3.23M · loan HK$29.10M · min. income ≈ HK$311,200/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,374,028 · Scale 2, in force from 26 Feb 2026)