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$81,062
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,584
−HK$2,562/mo
Today · 4.125%
HK$86,146
baseline
▲ 0.50% · 4.625%
HK$91,387
+HK$5,241/mo
Deposit HK$17.77M · loan HK$17.77M · min. income ≈ HK$172,292/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,510,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,181
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,600
−HK$2,453/mo
Today · 4.125%
HK$95,053
baseline
▲ 0.50% · 4.625%
HK$100,064
+HK$5,011/mo
Deposit HK$17.77M · loan HK$17.77M · min. income ≈ HK$190,106/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,510,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,275
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$100,301
−HK$3,074/mo
Today · 4.125%
HK$103,375
baseline
▲ 0.50% · 4.625%
HK$109,665
+HK$6,290/mo
Deposit HK$14.22M · loan HK$21.33M · min. income ≈ HK$206,750/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,510,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,217
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$111,120
−HK$2,944/mo
Today · 4.125%
HK$114,064
baseline
▲ 0.50% · 4.625%
HK$120,076
+HK$6,012/mo
Deposit HK$14.22M · loan HK$21.33M · min. income ≈ HK$228,128/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,510,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,487
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$117,017
−HK$3,587/mo
Today · 4.125%
HK$120,604
baseline
▲ 0.50% · 4.625%
HK$127,942
+HK$7,338/mo
Deposit HK$10.66M · loan HK$24.88M · min. income ≈ HK$241,208/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,510,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,254
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$129,640
−HK$3,435/mo
Today · 4.125%
HK$133,075
baseline
▲ 0.50% · 4.625%
HK$140,089
+HK$7,014/mo
Deposit HK$10.66M · loan HK$24.88M · min. income ≈ HK$266,150/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,510,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,912
−HK$9,150/mo
▼ 0.25% · 3.875%
HK$150,451
−HK$4,611/mo
Today · 4.125%
HK$155,062
baseline
▲ 0.50% · 4.625%
HK$164,497
+HK$9,435/mo
Deposit HK$3.55M · loan HK$31.99M · min. income ≈ HK$310,124/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,510,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,326
−HK$8,770/mo
▼ 0.25% · 3.875%
HK$166,679
−HK$4,417/mo
Today · 4.125%
HK$171,096
baseline
▲ 0.50% · 4.625%
HK$180,115
+HK$9,019/mo
Deposit HK$3.55M · loan HK$31.99M · min. income ≈ HK$342,192/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,510,862 · Scale 2, in force from 26 Feb 2026)