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$74,387
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,701
−HK$2,351/mo
Today · 4.125%
HK$79,052
baseline
▲ 0.50% · 4.625%
HK$83,862
+HK$4,810/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$158,104/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,755
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,974
−HK$2,252/mo
Today · 4.125%
HK$87,226
baseline
▲ 0.50% · 4.625%
HK$91,824
+HK$4,598/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$174,452/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,265
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$92,041
−HK$2,821/mo
Today · 4.125%
HK$94,862
baseline
▲ 0.50% · 4.625%
HK$100,634
+HK$5,772/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$189,724/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,306
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$101,969
−HK$2,702/mo
Today · 4.125%
HK$104,671
baseline
▲ 0.50% · 4.625%
HK$110,189
+HK$5,518/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$209,342/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,142
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$107,381
−HK$3,292/mo
Today · 4.125%
HK$110,673
baseline
▲ 0.50% · 4.625%
HK$117,407
+HK$6,734/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$221,346/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,857
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$118,964
−HK$3,152/mo
Today · 4.125%
HK$122,116
baseline
▲ 0.50% · 4.625%
HK$128,553
+HK$6,437/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$244,232/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,897
−HK$8,396/mo
▼ 0.25% · 3.875%
HK$138,062
−HK$4,231/mo
Today · 4.125%
HK$142,293
baseline
▲ 0.50% · 4.625%
HK$150,952
+HK$8,659/mo
Deposit HK$3.26M · loan HK$29.36M · min. income ≈ HK$284,586/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,959
−HK$8,048/mo
▼ 0.25% · 3.875%
HK$152,954
−HK$4,053/mo
Today · 4.125%
HK$157,007
baseline
▲ 0.50% · 4.625%
HK$165,283
+HK$8,276/mo
Deposit HK$3.26M · loan HK$29.36M · min. income ≈ HK$314,014/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,448 · Scale 2, in force from 26 Feb 2026)