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$83,007
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$85,589
−HK$2,624/mo
Today · 4.125%
HK$88,213
baseline
▲ 0.50% · 4.625%
HK$93,580
+HK$5,367/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$176,426/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,345
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$94,822
−HK$2,512/mo
Today · 4.125%
HK$97,334
baseline
▲ 0.50% · 4.625%
HK$102,465
+HK$5,131/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$194,668/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,609
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,707
−HK$3,148/mo
Today · 4.125%
HK$105,855
baseline
▲ 0.50% · 4.625%
HK$112,296
+HK$6,441/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$211,710/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,814
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$113,786
−HK$3,015/mo
Today · 4.125%
HK$116,801
baseline
▲ 0.50% · 4.625%
HK$122,958
+HK$6,157/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$233,602/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,210
−HK$7,288/mo
▼ 0.25% · 3.875%
HK$119,825
−HK$3,673/mo
Today · 4.125%
HK$123,498
baseline
▲ 0.50% · 4.625%
HK$131,012
+HK$7,514/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$246,996/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,283
−HK$6,985/mo
▼ 0.25% · 3.875%
HK$132,750
−HK$3,518/mo
Today · 4.125%
HK$136,268
baseline
▲ 0.50% · 4.625%
HK$143,451
+HK$7,183/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$272,536/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,413
−HK$9,370/mo
▼ 0.25% · 3.875%
HK$154,061
−HK$4,722/mo
Today · 4.125%
HK$158,783
baseline
▲ 0.50% · 4.625%
HK$168,445
+HK$9,662/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$317,566/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,221
−HK$8,980/mo
▼ 0.25% · 3.875%
HK$170,679
−HK$4,522/mo
Today · 4.125%
HK$175,201
baseline
▲ 0.50% · 4.625%
HK$184,437
+HK$9,236/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$350,402/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,115 · Scale 2, in force from 26 Feb 2026)