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$86,885
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$89,588
−HK$2,746/mo
Today · 4.125%
HK$92,334
baseline
▲ 0.50% · 4.625%
HK$97,952
+HK$5,618/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$184,668/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,619,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,659
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$99,251
−HK$2,630/mo
Today · 4.125%
HK$101,881
baseline
▲ 0.50% · 4.625%
HK$107,251
+HK$5,370/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$203,762/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,619,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,262
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$107,505
−HK$3,296/mo
Today · 4.125%
HK$110,801
baseline
▲ 0.50% · 4.625%
HK$117,542
+HK$6,741/mo
Deposit HK$15.24M · loan HK$22.86M · min. income ≈ HK$221,602/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,991
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$119,102
−HK$3,155/mo
Today · 4.125%
HK$122,257
baseline
▲ 0.50% · 4.625%
HK$128,702
+HK$6,445/mo
Deposit HK$15.24M · loan HK$22.86M · min. income ≈ HK$244,514/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,639
−HK$7,628/mo
▼ 0.25% · 3.875%
HK$125,423
−HK$3,844/mo
Today · 4.125%
HK$129,267
baseline
▲ 0.50% · 4.625%
HK$137,133
+HK$7,866/mo
Deposit HK$11.43M · loan HK$26.67M · min. income ≈ HK$258,534/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,323
−HK$7,311/mo
▼ 0.25% · 3.875%
HK$138,952
−HK$3,682/mo
Today · 4.125%
HK$142,634
baseline
▲ 0.50% · 4.625%
HK$150,152
+HK$7,518/mo
Deposit HK$11.43M · loan HK$26.67M · min. income ≈ HK$285,268/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,394
−HK$9,807/mo
▼ 0.25% · 3.875%
HK$161,258
−HK$4,943/mo
Today · 4.125%
HK$166,201
baseline
▲ 0.50% · 4.625%
HK$176,314
+HK$10,113/mo
Deposit HK$3.81M · loan HK$34.29M · min. income ≈ HK$332,402/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,986
−HK$9,400/mo
▼ 0.25% · 3.875%
HK$178,652
−HK$4,734/mo
Today · 4.125%
HK$183,386
baseline
▲ 0.50% · 4.625%
HK$193,053
+HK$9,667/mo
Deposit HK$3.81M · loan HK$34.29M · min. income ≈ HK$366,772/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,390 · Scale 2, in force from 26 Feb 2026)