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$76,975
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,369
−HK$2,433/mo
Today · 4.125%
HK$81,802
baseline
▲ 0.50% · 4.625%
HK$86,779
+HK$4,977/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,604/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,634
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,930
−HK$2,330/mo
Today · 4.125%
HK$90,260
baseline
▲ 0.50% · 4.625%
HK$95,018
+HK$4,758/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,520/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,370
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$95,243
−HK$2,919/mo
Today · 4.125%
HK$98,162
baseline
▲ 0.50% · 4.625%
HK$104,135
+HK$5,973/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$196,324/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,761
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$105,517
−HK$2,795/mo
Today · 4.125%
HK$108,312
baseline
▲ 0.50% · 4.625%
HK$114,022
+HK$5,710/mo
Deposit HK$13.50M · loan HK$20.25M · min. income ≈ HK$216,624/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,765
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$111,117
−HK$3,406/mo
Today · 4.125%
HK$114,523
baseline
▲ 0.50% · 4.625%
HK$121,491
+HK$6,968/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$229,046/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,887
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$123,103
−HK$3,261/mo
Today · 4.125%
HK$126,364
baseline
▲ 0.50% · 4.625%
HK$133,025
+HK$6,661/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$252,728/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,555
−HK$8,688/mo
▼ 0.25% · 3.875%
HK$142,865
−HK$4,378/mo
Today · 4.125%
HK$147,243
baseline
▲ 0.50% · 4.625%
HK$156,203
+HK$8,960/mo
Deposit HK$3.38M · loan HK$30.38M · min. income ≈ HK$294,486/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,141
−HK$8,328/mo
▼ 0.25% · 3.875%
HK$158,275
−HK$4,194/mo
Today · 4.125%
HK$162,469
baseline
▲ 0.50% · 4.625%
HK$171,033
+HK$8,564/mo
Deposit HK$3.38M · loan HK$30.38M · min. income ≈ HK$324,938/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,678 · Scale 2, in force from 26 Feb 2026)