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$82,620
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,190
−HK$2,611/mo
Today · 4.125%
HK$87,801
baseline
▲ 0.50% · 4.625%
HK$93,144
+HK$5,343/mo
Deposit HK$18.12M · loan HK$18.12M · min. income ≈ HK$175,602/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,539,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,914
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,379
−HK$2,501/mo
Today · 4.125%
HK$96,880
baseline
▲ 0.50% · 4.625%
HK$101,987
+HK$5,107/mo
Deposit HK$18.12M · loan HK$18.12M · min. income ≈ HK$193,760/mo (50% DSR)
Upfront cash ≈ HK$19.66M (deposit + AVD stamp duty HK$1,539,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,144
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$102,228
−HK$3,133/mo
Today · 4.125%
HK$105,361
baseline
▲ 0.50% · 4.625%
HK$111,772
+HK$6,411/mo
Deposit HK$14.49M · loan HK$21.74M · min. income ≈ HK$210,722/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,297
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$113,255
−HK$3,001/mo
Today · 4.125%
HK$116,256
baseline
▲ 0.50% · 4.625%
HK$122,384
+HK$6,128/mo
Deposit HK$14.49M · loan HK$21.74M · min. income ≈ HK$232,512/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,668
−HK$7,254/mo
▼ 0.25% · 3.875%
HK$119,266
−HK$3,656/mo
Today · 4.125%
HK$122,922
baseline
▲ 0.50% · 4.625%
HK$130,401
+HK$7,479/mo
Deposit HK$10.87M · loan HK$25.36M · min. income ≈ HK$245,844/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,539,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,680
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$132,131
−HK$3,501/mo
Today · 4.125%
HK$135,632
baseline
▲ 0.50% · 4.625%
HK$142,781
+HK$7,149/mo
Deposit HK$10.87M · loan HK$25.36M · min. income ≈ HK$271,264/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,539,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,716
−HK$9,326/mo
▼ 0.25% · 3.875%
HK$153,342
−HK$4,700/mo
Today · 4.125%
HK$158,042
baseline
▲ 0.50% · 4.625%
HK$167,659
+HK$9,617/mo
Deposit HK$3.62M · loan HK$32.61M · min. income ≈ HK$316,084/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,445
−HK$8,939/mo
▼ 0.25% · 3.875%
HK$169,883
−HK$4,501/mo
Today · 4.125%
HK$174,384
baseline
▲ 0.50% · 4.625%
HK$183,576
+HK$9,192/mo
Deposit HK$3.62M · loan HK$32.61M · min. income ≈ HK$348,768/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,897 · Scale 2, in force from 26 Feb 2026)