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$75,829
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$78,187
−HK$2,397/mo
Today · 4.125%
HK$80,584
baseline
▲ 0.50% · 4.625%
HK$85,487
+HK$4,903/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$161,168/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,358
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$86,621
−HK$2,295/mo
Today · 4.125%
HK$88,916
baseline
▲ 0.50% · 4.625%
HK$93,603
+HK$4,687/mo
Deposit HK$16.63M · loan HK$16.63M · min. income ≈ HK$177,832/mo (50% DSR)
Upfront cash ≈ HK$18.04M (deposit + AVD stamp duty HK$1,413,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,994
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,825
−HK$2,875/mo
Today · 4.125%
HK$96,700
baseline
▲ 0.50% · 4.625%
HK$102,584
+HK$5,884/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$193,400/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,230
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$103,945
−HK$2,754/mo
Today · 4.125%
HK$106,699
baseline
▲ 0.50% · 4.625%
HK$112,324
+HK$5,625/mo
Deposit HK$13.30M · loan HK$19.95M · min. income ≈ HK$213,398/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,413,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,160
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$109,462
−HK$3,355/mo
Today · 4.125%
HK$112,817
baseline
▲ 0.50% · 4.625%
HK$119,682
+HK$6,865/mo
Deposit HK$9.98M · loan HK$23.28M · min. income ≈ HK$225,634/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,102
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$121,269
−HK$3,214/mo
Today · 4.125%
HK$124,483
baseline
▲ 0.50% · 4.625%
HK$131,044
+HK$6,561/mo
Deposit HK$9.98M · loan HK$23.28M · min. income ≈ HK$248,966/mo (50% DSR)
Upfront cash ≈ HK$11.39M (deposit + AVD stamp duty HK$1,413,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,491
−HK$8,560/mo
▼ 0.25% · 3.875%
HK$140,737
−HK$4,314/mo
Today · 4.125%
HK$145,051
baseline
▲ 0.50% · 4.625%
HK$153,877
+HK$8,826/mo
Deposit HK$3.33M · loan HK$29.93M · min. income ≈ HK$290,102/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,845
−HK$8,204/mo
▼ 0.25% · 3.875%
HK$155,918
−HK$4,131/mo
Today · 4.125%
HK$160,049
baseline
▲ 0.50% · 4.625%
HK$168,485
+HK$8,436/mo
Deposit HK$3.33M · loan HK$29.93M · min. income ≈ HK$320,098/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,413,312 · Scale 2, in force from 26 Feb 2026)