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$73,913
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,212
−HK$2,336/mo
Today · 4.125%
HK$78,548
baseline
▲ 0.50% · 4.625%
HK$83,327
+HK$4,779/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$157,096/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,227
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,432
−HK$2,238/mo
Today · 4.125%
HK$86,670
baseline
▲ 0.50% · 4.625%
HK$91,238
+HK$4,568/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$173,340/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,695
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,454
−HK$2,803/mo
Today · 4.125%
HK$94,257
baseline
▲ 0.50% · 4.625%
HK$99,993
+HK$5,736/mo
Deposit HK$12.97M · loan HK$19.45M · min. income ≈ HK$188,514/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,673
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,319
−HK$2,685/mo
Today · 4.125%
HK$104,004
baseline
▲ 0.50% · 4.625%
HK$109,486
+HK$5,482/mo
Deposit HK$12.97M · loan HK$19.45M · min. income ≈ HK$208,008/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,478
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$106,697
−HK$3,270/mo
Today · 4.125%
HK$109,967
baseline
▲ 0.50% · 4.625%
HK$116,658
+HK$6,691/mo
Deposit HK$9.72M · loan HK$22.69M · min. income ≈ HK$219,934/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,118
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$118,205
−HK$3,133/mo
Today · 4.125%
HK$121,338
baseline
▲ 0.50% · 4.625%
HK$127,733
+HK$6,395/mo
Deposit HK$9.72M · loan HK$22.69M · min. income ≈ HK$242,676/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,043
−HK$8,343/mo
▼ 0.25% · 3.875%
HK$137,181
−HK$4,205/mo
Today · 4.125%
HK$141,386
baseline
▲ 0.50% · 4.625%
HK$149,989
+HK$8,603/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$282,772/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,009
−HK$7,996/mo
▼ 0.25% · 3.875%
HK$151,978
−HK$4,027/mo
Today · 4.125%
HK$156,005
baseline
▲ 0.50% · 4.625%
HK$164,229
+HK$8,224/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$312,010/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,605 · Scale 2, in force from 26 Feb 2026)