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$78,137
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,567
−HK$2,470/mo
Today · 4.125%
HK$83,037
baseline
▲ 0.50% · 4.625%
HK$88,089
+HK$5,052/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$166,074/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,926
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,258
−HK$2,365/mo
Today · 4.125%
HK$91,623
baseline
▲ 0.50% · 4.625%
HK$96,452
+HK$4,829/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$183,246/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,764
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,681
−HK$2,963/mo
Today · 4.125%
HK$99,644
baseline
▲ 0.50% · 4.625%
HK$105,707
+HK$6,063/mo
Deposit HK$13.71M · loan HK$20.56M · min. income ≈ HK$199,288/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,456,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,312
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$107,109
−HK$2,838/mo
Today · 4.125%
HK$109,947
baseline
▲ 0.50% · 4.625%
HK$115,743
+HK$5,796/mo
Deposit HK$13.71M · loan HK$20.56M · min. income ≈ HK$219,894/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,456,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,392
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$112,794
−HK$3,457/mo
Today · 4.125%
HK$116,251
baseline
▲ 0.50% · 4.625%
HK$123,325
+HK$7,074/mo
Deposit HK$10.28M · loan HK$23.99M · min. income ≈ HK$232,502/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,456,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,697
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$124,961
−HK$3,311/mo
Today · 4.125%
HK$128,272
baseline
▲ 0.50% · 4.625%
HK$135,033
+HK$6,761/mo
Deposit HK$10.28M · loan HK$23.99M · min. income ≈ HK$256,544/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,456,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,646
−HK$8,820/mo
▼ 0.25% · 3.875%
HK$145,021
−HK$4,445/mo
Today · 4.125%
HK$149,466
baseline
▲ 0.50% · 4.625%
HK$158,561
+HK$9,095/mo
Deposit HK$3.43M · loan HK$30.84M · min. income ≈ HK$298,932/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,468
−HK$8,453/mo
▼ 0.25% · 3.875%
HK$160,664
−HK$4,257/mo
Today · 4.125%
HK$164,921
baseline
▲ 0.50% · 4.625%
HK$173,614
+HK$8,693/mo
Deposit HK$3.43M · loan HK$30.84M · min. income ≈ HK$329,842/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,335 · Scale 2, in force from 26 Feb 2026)