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$74,489
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$76,806
−HK$2,354/mo
Today · 4.125%
HK$79,160
baseline
▲ 0.50% · 4.625%
HK$83,977
+HK$4,817/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$158,320/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,388,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,868
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,091
−HK$2,254/mo
Today · 4.125%
HK$87,345
baseline
▲ 0.50% · 4.625%
HK$91,949
+HK$4,604/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$174,690/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,388,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,387
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$92,167
−HK$2,825/mo
Today · 4.125%
HK$94,992
baseline
▲ 0.50% · 4.625%
HK$100,772
+HK$5,780/mo
Deposit HK$13.07M · loan HK$19.60M · min. income ≈ HK$189,984/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,388,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,442
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$102,109
−HK$2,705/mo
Today · 4.125%
HK$104,814
baseline
▲ 0.50% · 4.625%
HK$110,339
+HK$5,525/mo
Deposit HK$13.07M · loan HK$19.60M · min. income ≈ HK$209,628/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,388,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,285
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$107,528
−HK$3,296/mo
Today · 4.125%
HK$110,824
baseline
▲ 0.50% · 4.625%
HK$117,567
+HK$6,743/mo
Deposit HK$9.80M · loan HK$22.87M · min. income ≈ HK$221,648/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,015
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$119,127
−HK$3,156/mo
Today · 4.125%
HK$122,283
baseline
▲ 0.50% · 4.625%
HK$128,729
+HK$6,446/mo
Deposit HK$9.80M · loan HK$22.87M · min. income ≈ HK$244,566/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,080
−HK$8,408/mo
▼ 0.25% · 3.875%
HK$138,251
−HK$4,237/mo
Today · 4.125%
HK$142,488
baseline
▲ 0.50% · 4.625%
HK$151,158
+HK$8,670/mo
Deposit HK$3.27M · loan HK$29.40M · min. income ≈ HK$284,976/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,388,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,163
−HK$8,059/mo
▼ 0.25% · 3.875%
HK$153,163
−HK$4,059/mo
Today · 4.125%
HK$157,222
baseline
▲ 0.50% · 4.625%
HK$165,509
+HK$8,287/mo
Deposit HK$3.27M · loan HK$29.40M · min. income ≈ HK$314,444/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,388,345 · Scale 2, in force from 26 Feb 2026)