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$83,502
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$86,099
−HK$2,639/mo
Today · 4.125%
HK$88,738
baseline
▲ 0.50% · 4.625%
HK$94,138
+HK$5,400/mo
Deposit HK$18.31M · loan HK$18.31M · min. income ≈ HK$177,476/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,556,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,895
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,387
−HK$2,527/mo
Today · 4.125%
HK$97,914
baseline
▲ 0.50% · 4.625%
HK$103,075
+HK$5,161/mo
Deposit HK$18.31M · loan HK$18.31M · min. income ≈ HK$195,828/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,556,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,202
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$103,319
−HK$3,167/mo
Today · 4.125%
HK$106,486
baseline
▲ 0.50% · 4.625%
HK$112,965
+HK$6,479/mo
Deposit HK$14.65M · loan HK$21.97M · min. income ≈ HK$212,972/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,556,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,474
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$114,464
−HK$3,033/mo
Today · 4.125%
HK$117,497
baseline
▲ 0.50% · 4.625%
HK$123,690
+HK$6,193/mo
Deposit HK$14.65M · loan HK$21.97M · min. income ≈ HK$234,994/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,556,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,903
−HK$7,331/mo
▼ 0.25% · 3.875%
HK$120,539
−HK$3,695/mo
Today · 4.125%
HK$124,234
baseline
▲ 0.50% · 4.625%
HK$131,793
+HK$7,559/mo
Deposit HK$10.99M · loan HK$25.63M · min. income ≈ HK$248,468/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,556,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,053
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$133,541
−HK$3,539/mo
Today · 4.125%
HK$137,080
baseline
▲ 0.50% · 4.625%
HK$144,305
+HK$7,225/mo
Deposit HK$10.99M · loan HK$25.63M · min. income ≈ HK$274,160/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,556,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,304
−HK$9,425/mo
▼ 0.25% · 3.875%
HK$154,979
−HK$4,750/mo
Today · 4.125%
HK$159,729
baseline
▲ 0.50% · 4.625%
HK$169,448
+HK$9,719/mo
Deposit HK$3.66M · loan HK$32.96M · min. income ≈ HK$319,458/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,211
−HK$9,034/mo
▼ 0.25% · 3.875%
HK$171,696
−HK$4,549/mo
Today · 4.125%
HK$176,245
baseline
▲ 0.50% · 4.625%
HK$185,535
+HK$9,290/mo
Deposit HK$3.66M · loan HK$32.96M · min. income ≈ HK$352,490/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,333 · Scale 2, in force from 26 Feb 2026)