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$85,609
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$88,272
−HK$2,706/mo
Today · 4.125%
HK$90,978
baseline
▲ 0.50% · 4.625%
HK$96,514
+HK$5,536/mo
Deposit HK$18.77M · loan HK$18.77M · min. income ≈ HK$181,956/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,595,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,240
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$97,794
−HK$2,591/mo
Today · 4.125%
HK$100,385
baseline
▲ 0.50% · 4.625%
HK$105,677
+HK$5,292/mo
Deposit HK$18.77M · loan HK$18.77M · min. income ≈ HK$200,770/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,595,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,731
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$105,927
−HK$3,247/mo
Today · 4.125%
HK$109,174
baseline
▲ 0.50% · 4.625%
HK$115,816
+HK$6,642/mo
Deposit HK$15.02M · loan HK$22.53M · min. income ≈ HK$218,348/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,595,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,288
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$117,353
−HK$3,109/mo
Today · 4.125%
HK$120,462
baseline
▲ 0.50% · 4.625%
HK$126,812
+HK$6,350/mo
Deposit HK$15.02M · loan HK$22.53M · min. income ≈ HK$240,924/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,595,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,853
−HK$7,516/mo
▼ 0.25% · 3.875%
HK$123,581
−HK$3,788/mo
Today · 4.125%
HK$127,369
baseline
▲ 0.50% · 4.625%
HK$135,119
+HK$7,750/mo
Deposit HK$11.26M · loan HK$26.28M · min. income ≈ HK$254,738/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,595,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,336
−HK$7,203/mo
▼ 0.25% · 3.875%
HK$136,912
−HK$3,627/mo
Today · 4.125%
HK$140,539
baseline
▲ 0.50% · 4.625%
HK$147,947
+HK$7,408/mo
Deposit HK$11.26M · loan HK$26.28M · min. income ≈ HK$281,078/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,595,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,097
−HK$9,663/mo
▼ 0.25% · 3.875%
HK$158,890
−HK$4,870/mo
Today · 4.125%
HK$163,760
baseline
▲ 0.50% · 4.625%
HK$173,725
+HK$9,965/mo
Deposit HK$3.75M · loan HK$33.79M · min. income ≈ HK$327,520/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,595,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,431
−HK$9,262/mo
▼ 0.25% · 3.875%
HK$176,029
−HK$4,664/mo
Today · 4.125%
HK$180,693
baseline
▲ 0.50% · 4.625%
HK$190,218
+HK$9,525/mo
Deposit HK$3.75M · loan HK$33.79M · min. income ≈ HK$361,386/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,595,611 · Scale 2, in force from 26 Feb 2026)