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$85,032
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,677
−HK$2,687/mo
Today · 4.125%
HK$90,364
baseline
▲ 0.50% · 4.625%
HK$95,862
+HK$5,498/mo
Deposit HK$18.65M · loan HK$18.65M · min. income ≈ HK$180,728/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,584,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,597
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,134
−HK$2,574/mo
Today · 4.125%
HK$99,708
baseline
▲ 0.50% · 4.625%
HK$104,963
+HK$5,255/mo
Deposit HK$18.65M · loan HK$18.65M · min. income ≈ HK$199,416/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,584,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,038
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$105,212
−HK$3,225/mo
Today · 4.125%
HK$108,437
baseline
▲ 0.50% · 4.625%
HK$115,035
+HK$6,598/mo
Deposit HK$14.92M · loan HK$22.37M · min. income ≈ HK$216,874/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,584,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,516
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$116,561
−HK$3,088/mo
Today · 4.125%
HK$119,649
baseline
▲ 0.50% · 4.625%
HK$125,956
+HK$6,307/mo
Deposit HK$14.92M · loan HK$22.37M · min. income ≈ HK$239,298/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,584,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,044
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$122,747
−HK$3,762/mo
Today · 4.125%
HK$126,509
baseline
▲ 0.50% · 4.625%
HK$134,207
+HK$7,698/mo
Deposit HK$11.19M · loan HK$26.10M · min. income ≈ HK$253,018/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,436
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$135,988
−HK$3,603/mo
Today · 4.125%
HK$139,591
baseline
▲ 0.50% · 4.625%
HK$146,949
+HK$7,358/mo
Deposit HK$11.19M · loan HK$26.10M · min. income ≈ HK$279,182/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,057
−HK$9,598/mo
▼ 0.25% · 3.875%
HK$157,818
−HK$4,837/mo
Today · 4.125%
HK$162,655
baseline
▲ 0.50% · 4.625%
HK$172,552
+HK$9,897/mo
Deposit HK$3.73M · loan HK$33.56M · min. income ≈ HK$325,310/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,274
−HK$9,200/mo
▼ 0.25% · 3.875%
HK$174,841
−HK$4,633/mo
Today · 4.125%
HK$179,474
baseline
▲ 0.50% · 4.625%
HK$188,934
+HK$9,460/mo
Deposit HK$3.73M · loan HK$33.56M · min. income ≈ HK$358,948/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,843 · Scale 2, in force from 26 Feb 2026)