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$88,065
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,805
−HK$2,783/mo
Today · 4.125%
HK$93,588
baseline
▲ 0.50% · 4.625%
HK$99,282
+HK$5,694/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$187,176/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$1,641,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,972
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,599
−HK$2,666/mo
Today · 4.125%
HK$103,265
baseline
▲ 0.50% · 4.625%
HK$108,708
+HK$5,443/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$206,530/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$1,641,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,678
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$108,966
−HK$3,339/mo
Today · 4.125%
HK$112,305
baseline
▲ 0.50% · 4.625%
HK$119,139
+HK$6,834/mo
Deposit HK$15.45M · loan HK$23.17M · min. income ≈ HK$224,610/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,566
−HK$6,352/mo
▼ 0.25% · 3.875%
HK$120,719
−HK$3,199/mo
Today · 4.125%
HK$123,918
baseline
▲ 0.50% · 4.625%
HK$130,450
+HK$6,532/mo
Deposit HK$15.45M · loan HK$23.17M · min. income ≈ HK$247,836/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,292
−HK$7,731/mo
▼ 0.25% · 3.875%
HK$127,127
−HK$3,896/mo
Today · 4.125%
HK$131,023
baseline
▲ 0.50% · 4.625%
HK$138,995
+HK$7,972/mo
Deposit HK$11.59M · loan HK$27.03M · min. income ≈ HK$262,046/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,161
−HK$7,410/mo
▼ 0.25% · 3.875%
HK$140,839
−HK$3,732/mo
Today · 4.125%
HK$144,571
baseline
▲ 0.50% · 4.625%
HK$152,192
+HK$7,621/mo
Deposit HK$11.59M · loan HK$27.03M · min. income ≈ HK$289,142/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,518
−HK$9,940/mo
▼ 0.25% · 3.875%
HK$163,449
−HK$5,009/mo
Today · 4.125%
HK$168,458
baseline
▲ 0.50% · 4.625%
HK$178,708
+HK$10,250/mo
Deposit HK$3.86M · loan HK$34.76M · min. income ≈ HK$336,916/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,349
−HK$9,528/mo
▼ 0.25% · 3.875%
HK$181,079
−HK$4,798/mo
Today · 4.125%
HK$185,877
baseline
▲ 0.50% · 4.625%
HK$195,675
+HK$9,798/mo
Deposit HK$3.86M · loan HK$34.76M · min. income ≈ HK$371,754/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,386 · Scale 2, in force from 26 Feb 2026)