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$88,254
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$90,999
−HK$2,789/mo
Today · 4.125%
HK$93,788
baseline
▲ 0.50% · 4.625%
HK$99,495
+HK$5,707/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$187,576/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$1,644,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,181
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,814
−HK$2,672/mo
Today · 4.125%
HK$103,486
baseline
▲ 0.50% · 4.625%
HK$108,941
+HK$5,455/mo
Deposit HK$19.35M · loan HK$19.35M · min. income ≈ HK$206,972/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$1,644,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,904
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$109,199
−HK$3,347/mo
Today · 4.125%
HK$112,546
baseline
▲ 0.50% · 4.625%
HK$119,394
+HK$6,848/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$225,092/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,644,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,818
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$120,977
−HK$3,206/mo
Today · 4.125%
HK$124,183
baseline
▲ 0.50% · 4.625%
HK$130,729
+HK$6,546/mo
Deposit HK$15.48M · loan HK$23.22M · min. income ≈ HK$248,366/mo (50% DSR)
Upfront cash ≈ HK$17.13M (deposit + AVD stamp duty HK$1,644,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,555
−HK$7,748/mo
▼ 0.25% · 3.875%
HK$127,398
−HK$3,905/mo
Today · 4.125%
HK$131,303
baseline
▲ 0.50% · 4.625%
HK$139,293
+HK$7,990/mo
Deposit HK$11.61M · loan HK$27.09M · min. income ≈ HK$262,606/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,644,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,454
−HK$7,426/mo
▼ 0.25% · 3.875%
HK$141,140
−HK$3,740/mo
Today · 4.125%
HK$144,880
baseline
▲ 0.50% · 4.625%
HK$152,517
+HK$7,637/mo
Deposit HK$11.61M · loan HK$27.09M · min. income ≈ HK$289,760/mo (50% DSR)
Upfront cash ≈ HK$13.26M (deposit + AVD stamp duty HK$1,644,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,857
−HK$9,961/mo
▼ 0.25% · 3.875%
HK$163,798
−HK$5,020/mo
Today · 4.125%
HK$168,818
baseline
▲ 0.50% · 4.625%
HK$179,090
+HK$10,272/mo
Deposit HK$3.87M · loan HK$34.83M · min. income ≈ HK$337,636/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,644,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,726
−HK$9,548/mo
▼ 0.25% · 3.875%
HK$181,466
−HK$4,808/mo
Today · 4.125%
HK$186,274
baseline
▲ 0.50% · 4.625%
HK$196,093
+HK$9,819/mo
Deposit HK$3.87M · loan HK$34.83M · min. income ≈ HK$372,548/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,644,894 · Scale 2, in force from 26 Feb 2026)