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$87,537
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,260
−HK$2,766/mo
Today · 4.125%
HK$93,026
baseline
▲ 0.50% · 4.625%
HK$98,687
+HK$5,661/mo
Deposit HK$19.19M · loan HK$19.19M · min. income ≈ HK$186,052/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$1,631,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,384
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$99,996
−HK$2,649/mo
Today · 4.125%
HK$102,645
baseline
▲ 0.50% · 4.625%
HK$108,056
+HK$5,411/mo
Deposit HK$19.19M · loan HK$19.19M · min. income ≈ HK$205,290/mo (50% DSR)
Upfront cash ≈ HK$20.83M (deposit + AVD stamp duty HK$1,631,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,044
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$108,312
−HK$3,320/mo
Today · 4.125%
HK$111,632
baseline
▲ 0.50% · 4.625%
HK$118,424
+HK$6,792/mo
Deposit HK$15.36M · loan HK$23.03M · min. income ≈ HK$223,264/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,631,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,861
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$119,995
−HK$3,179/mo
Today · 4.125%
HK$123,174
baseline
▲ 0.50% · 4.625%
HK$129,667
+HK$6,493/mo
Deposit HK$15.36M · loan HK$23.03M · min. income ≈ HK$246,348/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,631,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,552
−HK$7,685/mo
▼ 0.25% · 3.875%
HK$126,364
−HK$3,873/mo
Today · 4.125%
HK$130,237
baseline
▲ 0.50% · 4.625%
HK$138,161
+HK$7,924/mo
Deposit HK$11.52M · loan HK$26.87M · min. income ≈ HK$260,474/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,631,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,338
−HK$7,365/mo
▼ 0.25% · 3.875%
HK$139,994
−HK$3,709/mo
Today · 4.125%
HK$143,703
baseline
▲ 0.50% · 4.625%
HK$151,278
+HK$7,575/mo
Deposit HK$11.52M · loan HK$26.87M · min. income ≈ HK$287,406/mo (50% DSR)
Upfront cash ≈ HK$13.15M (deposit + AVD stamp duty HK$1,631,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,567
−HK$9,880/mo
▼ 0.25% · 3.875%
HK$162,468
−HK$4,979/mo
Today · 4.125%
HK$167,447
baseline
▲ 0.50% · 4.625%
HK$177,636
+HK$10,189/mo
Deposit HK$3.84M · loan HK$34.55M · min. income ≈ HK$334,894/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,631,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,291
−HK$9,471/mo
▼ 0.25% · 3.875%
HK$179,992
−HK$4,770/mo
Today · 4.125%
HK$184,762
baseline
▲ 0.50% · 4.625%
HK$194,501
+HK$9,739/mo
Deposit HK$3.84M · loan HK$34.55M · min. income ≈ HK$369,524/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,631,537 · Scale 2, in force from 26 Feb 2026)