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$75,210
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$77,549
−HK$2,377/mo
Today · 4.125%
HK$79,926
baseline
▲ 0.50% · 4.625%
HK$84,790
+HK$4,864/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$159,852/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,670
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,914
−HK$2,277/mo
Today · 4.125%
HK$88,191
baseline
▲ 0.50% · 4.625%
HK$92,839
+HK$4,648/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$176,382/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,252
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$93,059
−HK$2,853/mo
Today · 4.125%
HK$95,912
baseline
▲ 0.50% · 4.625%
HK$101,748
+HK$5,836/mo
Deposit HK$13.19M · loan HK$19.79M · min. income ≈ HK$191,824/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,401,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,404
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$103,097
−HK$2,732/mo
Today · 4.125%
HK$105,829
baseline
▲ 0.50% · 4.625%
HK$111,407
+HK$5,578/mo
Deposit HK$13.19M · loan HK$19.79M · min. income ≈ HK$211,658/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,401,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,294
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$108,569
−HK$3,328/mo
Today · 4.125%
HK$111,897
baseline
▲ 0.50% · 4.625%
HK$118,705
+HK$6,808/mo
Deposit HK$9.89M · loan HK$23.09M · min. income ≈ HK$223,794/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,401,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,138
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$120,280
−HK$3,187/mo
Today · 4.125%
HK$123,467
baseline
▲ 0.50% · 4.625%
HK$129,975
+HK$6,508/mo
Deposit HK$9.89M · loan HK$23.09M · min. income ≈ HK$246,934/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,401,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,378
−HK$8,489/mo
▼ 0.25% · 3.875%
HK$139,589
−HK$4,278/mo
Today · 4.125%
HK$143,867
baseline
▲ 0.50% · 4.625%
HK$152,621
+HK$8,754/mo
Deposit HK$3.30M · loan HK$29.68M · min. income ≈ HK$287,734/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,607
−HK$8,136/mo
▼ 0.25% · 3.875%
HK$154,646
−HK$4,097/mo
Today · 4.125%
HK$158,743
baseline
▲ 0.50% · 4.625%
HK$167,111
+HK$8,368/mo
Deposit HK$3.30M · loan HK$29.68M · min. income ≈ HK$317,486/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,782 · Scale 2, in force from 26 Feb 2026)