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$76,447
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$78,825
−HK$2,416/mo
Today · 4.125%
HK$81,241
baseline
▲ 0.50% · 4.625%
HK$86,184
+HK$4,943/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$162,482/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,424,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,047
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,328
−HK$2,313/mo
Today · 4.125%
HK$89,641
baseline
▲ 0.50% · 4.625%
HK$94,367
+HK$4,726/mo
Deposit HK$16.76M · loan HK$16.76M · min. income ≈ HK$179,282/mo (50% DSR)
Upfront cash ≈ HK$18.19M (deposit + AVD stamp duty HK$1,424,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,737
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$94,590
−HK$2,899/mo
Today · 4.125%
HK$97,489
baseline
▲ 0.50% · 4.625%
HK$103,421
+HK$5,932/mo
Deposit HK$13.41M · loan HK$20.12M · min. income ≈ HK$194,978/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,424,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,056
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$104,793
−HK$2,777/mo
Today · 4.125%
HK$107,570
baseline
▲ 0.50% · 4.625%
HK$113,240
+HK$5,670/mo
Deposit HK$13.41M · loan HK$20.12M · min. income ≈ HK$215,140/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,424,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,026
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$110,355
−HK$3,382/mo
Today · 4.125%
HK$113,737
baseline
▲ 0.50% · 4.625%
HK$120,658
+HK$6,921/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$227,474/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,065
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$122,259
−HK$3,239/mo
Today · 4.125%
HK$125,498
baseline
▲ 0.50% · 4.625%
HK$132,113
+HK$6,615/mo
Deposit HK$10.06M · loan HK$23.47M · min. income ≈ HK$250,996/mo (50% DSR)
Upfront cash ≈ HK$11.48M (deposit + AVD stamp duty HK$1,424,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,605
−HK$8,629/mo
▼ 0.25% · 3.875%
HK$141,885
−HK$4,349/mo
Today · 4.125%
HK$146,234
baseline
▲ 0.50% · 4.625%
HK$155,132
+HK$8,898/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$292,468/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,084
−HK$8,271/mo
▼ 0.25% · 3.875%
HK$157,190
−HK$4,165/mo
Today · 4.125%
HK$161,355
baseline
▲ 0.50% · 4.625%
HK$169,860
+HK$8,505/mo
Deposit HK$3.35M · loan HK$30.17M · min. income ≈ HK$322,710/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$1,424,841 · Scale 2, in force from 26 Feb 2026)