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$83,334
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,926
−HK$2,633/mo
Today · 4.125%
HK$88,559
baseline
▲ 0.50% · 4.625%
HK$93,948
+HK$5,389/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$177,118/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,553,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,708
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$95,194
−HK$2,523/mo
Today · 4.125%
HK$97,717
baseline
▲ 0.50% · 4.625%
HK$102,867
+HK$5,150/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$195,434/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,553,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,000
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$103,111
−HK$3,160/mo
Today · 4.125%
HK$106,271
baseline
▲ 0.50% · 4.625%
HK$112,738
+HK$6,467/mo
Deposit HK$14.62M · loan HK$21.93M · min. income ≈ HK$212,542/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,553,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,250
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$114,233
−HK$3,027/mo
Today · 4.125%
HK$117,260
baseline
▲ 0.50% · 4.625%
HK$123,441
+HK$6,181/mo
Deposit HK$14.62M · loan HK$21.93M · min. income ≈ HK$234,520/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,553,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,667
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$120,296
−HK$3,687/mo
Today · 4.125%
HK$123,983
baseline
▲ 0.50% · 4.625%
HK$131,527
+HK$7,544/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$247,966/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,553,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,791
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$133,272
−HK$3,531/mo
Today · 4.125%
HK$136,803
baseline
▲ 0.50% · 4.625%
HK$144,014
+HK$7,211/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$273,606/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,553,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,001
−HK$9,406/mo
▼ 0.25% · 3.875%
HK$154,667
−HK$4,740/mo
Today · 4.125%
HK$159,407
baseline
▲ 0.50% · 4.625%
HK$169,107
+HK$9,700/mo
Deposit HK$3.65M · loan HK$32.89M · min. income ≈ HK$318,814/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,553,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,874
−HK$9,016/mo
▼ 0.25% · 3.875%
HK$171,350
−HK$4,540/mo
Today · 4.125%
HK$175,890
baseline
▲ 0.50% · 4.625%
HK$185,161
+HK$9,271/mo
Deposit HK$3.65M · loan HK$32.89M · min. income ≈ HK$351,780/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,553,196 · Scale 2, in force from 26 Feb 2026)