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$82,331
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,892
−HK$2,602/mo
Today · 4.125%
HK$87,494
baseline
▲ 0.50% · 4.625%
HK$92,818
+HK$5,324/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$174,988/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,592
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,049
−HK$2,492/mo
Today · 4.125%
HK$96,541
baseline
▲ 0.50% · 4.625%
HK$101,630
+HK$5,089/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$193,082/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,797
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,870
−HK$3,123/mo
Today · 4.125%
HK$104,993
baseline
▲ 0.50% · 4.625%
HK$111,381
+HK$6,388/mo
Deposit HK$14.44M · loan HK$21.66M · min. income ≈ HK$209,986/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,911
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,859
−HK$2,990/mo
Today · 4.125%
HK$115,849
baseline
▲ 0.50% · 4.625%
HK$121,956
+HK$6,107/mo
Deposit HK$14.44M · loan HK$21.66M · min. income ≈ HK$231,698/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,263
−HK$7,228/mo
▼ 0.25% · 3.875%
HK$118,849
−HK$3,642/mo
Today · 4.125%
HK$122,491
baseline
▲ 0.50% · 4.625%
HK$129,945
+HK$7,454/mo
Deposit HK$10.83M · loan HK$25.27M · min. income ≈ HK$244,982/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,229
−HK$6,928/mo
▼ 0.25% · 3.875%
HK$131,668
−HK$3,489/mo
Today · 4.125%
HK$135,157
baseline
▲ 0.50% · 4.625%
HK$142,282
+HK$7,125/mo
Deposit HK$10.83M · loan HK$25.27M · min. income ≈ HK$270,314/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,196
−HK$9,293/mo
▼ 0.25% · 3.875%
HK$152,806
−HK$4,683/mo
Today · 4.125%
HK$157,489
baseline
▲ 0.50% · 4.625%
HK$167,072
+HK$9,583/mo
Deposit HK$3.61M · loan HK$32.50M · min. income ≈ HK$314,978/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,534,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,866
−HK$8,908/mo
▼ 0.25% · 3.875%
HK$169,288
−HK$4,486/mo
Today · 4.125%
HK$173,774
baseline
▲ 0.50% · 4.625%
HK$182,933
+HK$9,159/mo
Deposit HK$3.61M · loan HK$32.50M · min. income ≈ HK$347,548/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,534,507 · Scale 2, in force from 26 Feb 2026)