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$84,163
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,781
−HK$2,660/mo
Today · 4.125%
HK$89,441
baseline
▲ 0.50% · 4.625%
HK$94,883
+HK$5,442/mo
Deposit HK$18.45M · loan HK$18.45M · min. income ≈ HK$178,882/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,568,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,630
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,141
−HK$2,548/mo
Today · 4.125%
HK$98,689
baseline
▲ 0.50% · 4.625%
HK$103,891
+HK$5,202/mo
Deposit HK$18.45M · loan HK$18.45M · min. income ≈ HK$197,378/mo (50% DSR)
Upfront cash ≈ HK$20.02M (deposit + AVD stamp duty HK$1,568,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,995
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$104,137
−HK$3,192/mo
Today · 4.125%
HK$107,329
baseline
▲ 0.50% · 4.625%
HK$113,859
+HK$6,530/mo
Deposit HK$14.76M · loan HK$22.15M · min. income ≈ HK$214,658/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,568,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,356
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$115,370
−HK$3,057/mo
Today · 4.125%
HK$118,427
baseline
▲ 0.50% · 4.625%
HK$124,669
+HK$6,242/mo
Deposit HK$14.76M · loan HK$22.15M · min. income ≈ HK$236,854/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,568,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,828
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$121,493
−HK$3,724/mo
Today · 4.125%
HK$125,217
baseline
▲ 0.50% · 4.625%
HK$132,836
+HK$7,619/mo
Deposit HK$11.07M · loan HK$25.84M · min. income ≈ HK$250,434/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,568,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,082
−HK$7,082/mo
▼ 0.25% · 3.875%
HK$134,598
−HK$3,566/mo
Today · 4.125%
HK$138,164
baseline
▲ 0.50% · 4.625%
HK$145,447
+HK$7,283/mo
Deposit HK$11.07M · loan HK$25.84M · min. income ≈ HK$276,328/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,568,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,493
−HK$9,500/mo
▼ 0.25% · 3.875%
HK$156,205
−HK$4,788/mo
Today · 4.125%
HK$160,993
baseline
▲ 0.50% · 4.625%
HK$170,789
+HK$9,796/mo
Deposit HK$3.69M · loan HK$33.22M · min. income ≈ HK$321,986/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,568,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,535
−HK$9,105/mo
▼ 0.25% · 3.875%
HK$173,055
−HK$4,585/mo
Today · 4.125%
HK$177,640
baseline
▲ 0.50% · 4.625%
HK$187,004
+HK$9,364/mo
Deposit HK$3.69M · loan HK$33.22M · min. income ≈ HK$355,280/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,568,649 · Scale 2, in force from 26 Feb 2026)