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$76,597
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,980
−HK$2,420/mo
Today · 4.125%
HK$81,400
baseline
▲ 0.50% · 4.625%
HK$86,353
+HK$4,953/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$162,800/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,213
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$87,499
−HK$2,318/mo
Today · 4.125%
HK$89,817
baseline
▲ 0.50% · 4.625%
HK$94,552
+HK$4,735/mo
Deposit HK$16.80M · loan HK$16.80M · min. income ≈ HK$179,634/mo (50% DSR)
Upfront cash ≈ HK$18.22M (deposit + AVD stamp duty HK$1,427,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,916
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$94,776
−HK$2,904/mo
Today · 4.125%
HK$97,680
baseline
▲ 0.50% · 4.625%
HK$103,624
+HK$5,944/mo
Deposit HK$13.44M · loan HK$20.15M · min. income ≈ HK$195,360/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,256
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$104,999
−HK$2,782/mo
Today · 4.125%
HK$107,781
baseline
▲ 0.50% · 4.625%
HK$113,462
+HK$5,681/mo
Deposit HK$13.44M · loan HK$20.15M · min. income ≈ HK$215,562/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,427,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,236
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$110,571
−HK$3,389/mo
Today · 4.125%
HK$113,960
baseline
▲ 0.50% · 4.625%
HK$120,895
+HK$6,935/mo
Deposit HK$10.08M · loan HK$23.51M · min. income ≈ HK$227,920/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,427,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,299
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$122,498
−HK$3,246/mo
Today · 4.125%
HK$125,744
baseline
▲ 0.50% · 4.625%
HK$132,372
+HK$6,628/mo
Deposit HK$10.08M · loan HK$23.51M · min. income ≈ HK$251,488/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,427,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,875
−HK$8,646/mo
▼ 0.25% · 3.875%
HK$142,163
−HK$4,358/mo
Today · 4.125%
HK$146,521
baseline
▲ 0.50% · 4.625%
HK$155,436
+HK$8,915/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$293,042/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,384
−HK$8,287/mo
▼ 0.25% · 3.875%
HK$157,498
−HK$4,173/mo
Today · 4.125%
HK$161,671
baseline
▲ 0.50% · 4.625%
HK$170,193
+HK$8,522/mo
Deposit HK$3.36M · loan HK$30.23M · min. income ≈ HK$323,342/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,427,635 · Scale 2, in force from 26 Feb 2026)