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$84,880
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,520
−HK$2,683/mo
Today · 4.125%
HK$90,203
baseline
▲ 0.50% · 4.625%
HK$95,691
+HK$5,488/mo
Deposit HK$18.61M · loan HK$18.61M · min. income ≈ HK$180,406/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$1,582,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,428
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,961
−HK$2,569/mo
Today · 4.125%
HK$99,530
baseline
▲ 0.50% · 4.625%
HK$104,776
+HK$5,246/mo
Deposit HK$18.61M · loan HK$18.61M · min. income ≈ HK$199,060/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$1,582,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,856
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$105,024
−HK$3,219/mo
Today · 4.125%
HK$108,243
baseline
▲ 0.50% · 4.625%
HK$114,830
+HK$6,587/mo
Deposit HK$14.89M · loan HK$22.33M · min. income ≈ HK$216,486/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,582,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,314
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$116,353
−HK$3,083/mo
Today · 4.125%
HK$119,436
baseline
▲ 0.50% · 4.625%
HK$125,731
+HK$6,295/mo
Deposit HK$14.89M · loan HK$22.33M · min. income ≈ HK$238,872/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,582,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,832
−HK$7,452/mo
▼ 0.25% · 3.875%
HK$122,528
−HK$3,756/mo
Today · 4.125%
HK$126,284
baseline
▲ 0.50% · 4.625%
HK$133,968
+HK$7,684/mo
Deposit HK$11.17M · loan HK$26.06M · min. income ≈ HK$252,568/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,582,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,199
−HK$7,143/mo
▼ 0.25% · 3.875%
HK$135,745
−HK$3,597/mo
Today · 4.125%
HK$139,342
baseline
▲ 0.50% · 4.625%
HK$146,687
+HK$7,345/mo
Deposit HK$11.17M · loan HK$26.06M · min. income ≈ HK$278,684/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,582,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,784
−HK$9,581/mo
▼ 0.25% · 3.875%
HK$157,536
−HK$4,829/mo
Today · 4.125%
HK$162,365
baseline
▲ 0.50% · 4.625%
HK$172,244
+HK$9,879/mo
Deposit HK$3.72M · loan HK$33.50M · min. income ≈ HK$324,730/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,582,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,971
−HK$9,183/mo
▼ 0.25% · 3.875%
HK$174,529
−HK$4,625/mo
Today · 4.125%
HK$179,154
baseline
▲ 0.50% · 4.625%
HK$188,597
+HK$9,443/mo
Deposit HK$3.72M · loan HK$33.50M · min. income ≈ HK$358,308/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$1,582,016 · Scale 2, in force from 26 Feb 2026)