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$83,685
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,288
−HK$2,645/mo
Today · 4.125%
HK$88,933
baseline
▲ 0.50% · 4.625%
HK$94,345
+HK$5,412/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$177,866/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,099
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,596
−HK$2,533/mo
Today · 4.125%
HK$98,129
baseline
▲ 0.50% · 4.625%
HK$103,301
+HK$5,172/mo
Deposit HK$18.35M · loan HK$18.35M · min. income ≈ HK$196,258/mo (50% DSR)
Upfront cash ≈ HK$19.91M (deposit + AVD stamp duty HK$1,559,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,422
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$103,546
−HK$3,174/mo
Today · 4.125%
HK$106,720
baseline
▲ 0.50% · 4.625%
HK$113,213
+HK$6,493/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$213,440/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,719
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$114,715
−HK$3,040/mo
Today · 4.125%
HK$117,755
baseline
▲ 0.50% · 4.625%
HK$123,962
+HK$6,207/mo
Deposit HK$14.68M · loan HK$22.02M · min. income ≈ HK$235,510/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,559,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,160
−HK$7,346/mo
▼ 0.25% · 3.875%
HK$120,804
−HK$3,702/mo
Today · 4.125%
HK$124,506
baseline
▲ 0.50% · 4.625%
HK$132,082
+HK$7,576/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$249,012/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,339
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$133,834
−HK$3,547/mo
Today · 4.125%
HK$137,381
baseline
▲ 0.50% · 4.625%
HK$144,622
+HK$7,241/mo
Deposit HK$11.01M · loan HK$25.69M · min. income ≈ HK$274,762/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,559,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,634
−HK$9,446/mo
▼ 0.25% · 3.875%
HK$155,319
−HK$4,761/mo
Today · 4.125%
HK$160,080
baseline
▲ 0.50% · 4.625%
HK$169,820
+HK$9,740/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$320,160/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,578
−HK$9,054/mo
▼ 0.25% · 3.875%
HK$172,073
−HK$4,559/mo
Today · 4.125%
HK$176,632
baseline
▲ 0.50% · 4.625%
HK$185,943
+HK$9,311/mo
Deposit HK$3.67M · loan HK$33.03M · min. income ≈ HK$353,264/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,559,749 · Scale 2, in force from 26 Feb 2026)