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$83,680
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,283
−HK$2,645/mo
Today · 4.125%
HK$88,928
baseline
▲ 0.50% · 4.625%
HK$94,339
+HK$5,411/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$177,856/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,093
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,590
−HK$2,533/mo
Today · 4.125%
HK$98,123
baseline
▲ 0.50% · 4.625%
HK$103,295
+HK$5,172/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$196,246/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,416
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$103,540
−HK$3,173/mo
Today · 4.125%
HK$106,713
baseline
▲ 0.50% · 4.625%
HK$113,207
+HK$6,494/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$213,426/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,712
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$114,708
−HK$3,040/mo
Today · 4.125%
HK$117,748
baseline
▲ 0.50% · 4.625%
HK$123,954
+HK$6,206/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$235,496/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,152
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$120,797
−HK$3,702/mo
Today · 4.125%
HK$124,499
baseline
▲ 0.50% · 4.625%
HK$132,074
+HK$7,575/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$248,998/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,331
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$133,826
−HK$3,546/mo
Today · 4.125%
HK$137,372
baseline
▲ 0.50% · 4.625%
HK$144,613
+HK$7,241/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$274,744/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,625
−HK$9,445/mo
▼ 0.25% · 3.875%
HK$155,310
−HK$4,760/mo
Today · 4.125%
HK$160,070
baseline
▲ 0.50% · 4.625%
HK$169,810
+HK$9,740/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$320,140/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,568
−HK$9,053/mo
▼ 0.25% · 3.875%
HK$172,062
−HK$4,559/mo
Today · 4.125%
HK$176,621
baseline
▲ 0.50% · 4.625%
HK$185,931
+HK$9,310/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$353,242/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,655 · Scale 2, in force from 26 Feb 2026)