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$80,788
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,301
−HK$2,553/mo
Today · 4.125%
HK$85,854
baseline
▲ 0.50% · 4.625%
HK$91,078
+HK$5,224/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$171,708/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,505,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,876
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$92,286
−HK$2,446/mo
Today · 4.125%
HK$94,732
baseline
▲ 0.50% · 4.625%
HK$99,725
+HK$4,993/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$189,464/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,505,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,946
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$99,961
−HK$3,064/mo
Today · 4.125%
HK$103,025
baseline
▲ 0.50% · 4.625%
HK$109,294
+HK$6,269/mo
Deposit HK$14.17M · loan HK$21.26M · min. income ≈ HK$206,050/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,505,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,851
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$110,744
−HK$2,934/mo
Today · 4.125%
HK$113,678
baseline
▲ 0.50% · 4.625%
HK$119,670
+HK$5,992/mo
Deposit HK$14.17M · loan HK$21.26M · min. income ≈ HK$227,356/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,505,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,103
−HK$7,093/mo
▼ 0.25% · 3.875%
HK$116,622
−HK$3,574/mo
Today · 4.125%
HK$120,196
baseline
▲ 0.50% · 4.625%
HK$127,510
+HK$7,314/mo
Deposit HK$10.63M · loan HK$24.80M · min. income ≈ HK$240,392/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,505,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,826
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$129,201
−HK$3,423/mo
Today · 4.125%
HK$132,624
baseline
▲ 0.50% · 4.625%
HK$139,615
+HK$6,991/mo
Deposit HK$10.63M · loan HK$24.80M · min. income ≈ HK$265,248/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,505,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,419
−HK$9,119/mo
▼ 0.25% · 3.875%
HK$149,942
−HK$4,596/mo
Today · 4.125%
HK$154,538
baseline
▲ 0.50% · 4.625%
HK$163,941
+HK$9,403/mo
Deposit HK$3.54M · loan HK$31.89M · min. income ≈ HK$309,076/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,777
−HK$8,740/mo
▼ 0.25% · 3.875%
HK$166,116
−HK$4,401/mo
Today · 4.125%
HK$170,517
baseline
▲ 0.50% · 4.625%
HK$179,505
+HK$8,988/mo
Deposit HK$3.54M · loan HK$31.89M · min. income ≈ HK$341,034/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,750 · Scale 2, in force from 26 Feb 2026)