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$84,082
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,698
−HK$2,657/mo
Today · 4.125%
HK$89,355
baseline
▲ 0.50% · 4.625%
HK$94,792
+HK$5,437/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$178,710/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,567,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,541
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$96,049
−HK$2,545/mo
Today · 4.125%
HK$98,594
baseline
▲ 0.50% · 4.625%
HK$103,791
+HK$5,197/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$197,188/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,567,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,899
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$104,037
−HK$3,189/mo
Today · 4.125%
HK$107,226
baseline
▲ 0.50% · 4.625%
HK$113,750
+HK$6,524/mo
Deposit HK$14.75M · loan HK$22.12M · min. income ≈ HK$214,452/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,249
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$115,259
−HK$3,054/mo
Today · 4.125%
HK$118,313
baseline
▲ 0.50% · 4.625%
HK$124,550
+HK$6,237/mo
Deposit HK$14.75M · loan HK$22.12M · min. income ≈ HK$236,626/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,715
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$121,377
−HK$3,720/mo
Today · 4.125%
HK$125,097
baseline
▲ 0.50% · 4.625%
HK$132,709
+HK$7,612/mo
Deposit HK$11.06M · loan HK$25.81M · min. income ≈ HK$250,194/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,957
−HK$7,075/mo
▼ 0.25% · 3.875%
HK$134,469
−HK$3,563/mo
Today · 4.125%
HK$138,032
baseline
▲ 0.50% · 4.625%
HK$145,308
+HK$7,276/mo
Deposit HK$11.06M · loan HK$25.81M · min. income ≈ HK$276,064/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,348
−HK$9,491/mo
▼ 0.25% · 3.875%
HK$156,056
−HK$4,783/mo
Today · 4.125%
HK$160,839
baseline
▲ 0.50% · 4.625%
HK$170,626
+HK$9,787/mo
Deposit HK$3.69M · loan HK$33.19M · min. income ≈ HK$321,678/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,567,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,373
−HK$9,097/mo
▼ 0.25% · 3.875%
HK$172,889
−HK$4,581/mo
Today · 4.125%
HK$177,470
baseline
▲ 0.50% · 4.625%
HK$186,825
+HK$9,355/mo
Deposit HK$3.69M · loan HK$33.19M · min. income ≈ HK$354,940/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,567,147 · Scale 2, in force from 26 Feb 2026)