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$83,284
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,875
−HK$2,632/mo
Today · 4.125%
HK$88,507
baseline
▲ 0.50% · 4.625%
HK$93,892
+HK$5,385/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$177,014/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,552,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,653
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,138
−HK$2,521/mo
Today · 4.125%
HK$97,659
baseline
▲ 0.50% · 4.625%
HK$102,807
+HK$5,148/mo
Deposit HK$18.26M · loan HK$18.26M · min. income ≈ HK$195,318/mo (50% DSR)
Upfront cash ≈ HK$19.81M (deposit + AVD stamp duty HK$1,552,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,941
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$103,050
−HK$3,158/mo
Today · 4.125%
HK$106,208
baseline
▲ 0.50% · 4.625%
HK$112,671
+HK$6,463/mo
Deposit HK$14.61M · loan HK$21.91M · min. income ≈ HK$212,416/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,552,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,184
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$114,166
−HK$3,025/mo
Today · 4.125%
HK$117,191
baseline
▲ 0.50% · 4.625%
HK$123,368
+HK$6,177/mo
Deposit HK$14.61M · loan HK$21.91M · min. income ≈ HK$234,382/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$1,552,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,598
−HK$7,312/mo
▼ 0.25% · 3.875%
HK$120,225
−HK$3,685/mo
Today · 4.125%
HK$123,910
baseline
▲ 0.50% · 4.625%
HK$131,449
+HK$7,539/mo
Deposit HK$10.96M · loan HK$25.57M · min. income ≈ HK$247,820/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,714
−HK$7,008/mo
▼ 0.25% · 3.875%
HK$133,193
−HK$3,529/mo
Today · 4.125%
HK$136,722
baseline
▲ 0.50% · 4.625%
HK$143,929
+HK$7,207/mo
Deposit HK$10.96M · loan HK$25.57M · min. income ≈ HK$273,444/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,552,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,912
−HK$9,401/mo
▼ 0.25% · 3.875%
HK$154,575
−HK$4,738/mo
Today · 4.125%
HK$159,313
baseline
▲ 0.50% · 4.625%
HK$169,006
+HK$9,693/mo
Deposit HK$3.65M · loan HK$32.87M · min. income ≈ HK$318,626/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,552,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,775
−HK$9,011/mo
▼ 0.25% · 3.875%
HK$171,248
−HK$4,538/mo
Today · 4.125%
HK$175,786
baseline
▲ 0.50% · 4.625%
HK$185,052
+HK$9,266/mo
Deposit HK$3.65M · loan HK$32.87M · min. income ≈ HK$351,572/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$1,552,276 · Scale 2, in force from 26 Feb 2026)