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$83,504
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,102
−HK$2,639/mo
Today · 4.125%
HK$88,741
baseline
▲ 0.50% · 4.625%
HK$94,141
+HK$5,400/mo
Deposit HK$18.31M · loan HK$18.31M · min. income ≈ HK$177,482/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,556,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,898
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,389
−HK$2,528/mo
Today · 4.125%
HK$97,917
baseline
▲ 0.50% · 4.625%
HK$103,078
+HK$5,161/mo
Deposit HK$18.31M · loan HK$18.31M · min. income ≈ HK$195,834/mo (50% DSR)
Upfront cash ≈ HK$19.87M (deposit + AVD stamp duty HK$1,556,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,205
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$103,322
−HK$3,167/mo
Today · 4.125%
HK$106,489
baseline
▲ 0.50% · 4.625%
HK$112,969
+HK$6,480/mo
Deposit HK$14.65M · loan HK$21.97M · min. income ≈ HK$212,978/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,556,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,477
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$114,467
−HK$3,033/mo
Today · 4.125%
HK$117,500
baseline
▲ 0.50% · 4.625%
HK$123,694
+HK$6,194/mo
Deposit HK$14.65M · loan HK$21.97M · min. income ≈ HK$235,000/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,556,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,906
−HK$7,331/mo
▼ 0.25% · 3.875%
HK$120,543
−HK$3,694/mo
Today · 4.125%
HK$124,237
baseline
▲ 0.50% · 4.625%
HK$131,797
+HK$7,560/mo
Deposit HK$10.99M · loan HK$25.63M · min. income ≈ HK$248,474/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,556,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,057
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$133,545
−HK$3,539/mo
Today · 4.125%
HK$137,084
baseline
▲ 0.50% · 4.625%
HK$144,309
+HK$7,225/mo
Deposit HK$10.99M · loan HK$25.63M · min. income ≈ HK$274,168/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,556,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,308
−HK$9,426/mo
▼ 0.25% · 3.875%
HK$154,983
−HK$4,751/mo
Today · 4.125%
HK$159,734
baseline
▲ 0.50% · 4.625%
HK$169,453
+HK$9,719/mo
Deposit HK$3.66M · loan HK$32.96M · min. income ≈ HK$319,468/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,216
−HK$9,034/mo
▼ 0.25% · 3.875%
HK$171,701
−HK$4,549/mo
Today · 4.125%
HK$176,250
baseline
▲ 0.50% · 4.625%
HK$185,541
+HK$9,291/mo
Deposit HK$3.66M · loan HK$32.96M · min. income ≈ HK$352,500/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,378 · Scale 2, in force from 26 Feb 2026)