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$80,839
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,353
−HK$2,555/mo
Today · 4.125%
HK$85,908
baseline
▲ 0.50% · 4.625%
HK$91,135
+HK$5,227/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$171,816/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,932
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,344
−HK$2,447/mo
Today · 4.125%
HK$94,791
baseline
▲ 0.50% · 4.625%
HK$99,788
+HK$4,997/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$189,582/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,006
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,024
−HK$3,066/mo
Today · 4.125%
HK$103,090
baseline
▲ 0.50% · 4.625%
HK$109,362
+HK$6,272/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$206,180/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,506,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,919
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,813
−HK$2,936/mo
Today · 4.125%
HK$113,749
baseline
▲ 0.50% · 4.625%
HK$119,745
+HK$5,996/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$227,498/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,506,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,174
−HK$7,097/mo
▼ 0.25% · 3.875%
HK$116,695
−HK$3,576/mo
Today · 4.125%
HK$120,271
baseline
▲ 0.50% · 4.625%
HK$127,589
+HK$7,318/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$240,542/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,905
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$129,282
−HK$3,425/mo
Today · 4.125%
HK$132,707
baseline
▲ 0.50% · 4.625%
HK$139,703
+HK$6,996/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$265,414/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,510
−HK$9,124/mo
▼ 0.25% · 3.875%
HK$150,036
−HK$4,598/mo
Today · 4.125%
HK$154,634
baseline
▲ 0.50% · 4.625%
HK$164,044
+HK$9,410/mo
Deposit HK$3.55M · loan HK$31.91M · min. income ≈ HK$309,268/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,878
−HK$8,746/mo
▼ 0.25% · 3.875%
HK$166,220
−HK$4,404/mo
Today · 4.125%
HK$170,624
baseline
▲ 0.50% · 4.625%
HK$179,618
+HK$8,994/mo
Deposit HK$3.55M · loan HK$31.91M · min. income ≈ HK$341,248/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,693 · Scale 2, in force from 26 Feb 2026)