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$82,832
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$85,409
−HK$2,618/mo
Today · 4.125%
HK$88,027
baseline
▲ 0.50% · 4.625%
HK$93,383
+HK$5,356/mo
Deposit HK$18.16M · loan HK$18.16M · min. income ≈ HK$176,054/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,543,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,150
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,621
−HK$2,508/mo
Today · 4.125%
HK$97,129
baseline
▲ 0.50% · 4.625%
HK$102,248
+HK$5,119/mo
Deposit HK$18.16M · loan HK$18.16M · min. income ≈ HK$194,258/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$1,543,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,399
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$102,491
−HK$3,141/mo
Today · 4.125%
HK$105,632
baseline
▲ 0.50% · 4.625%
HK$112,059
+HK$6,427/mo
Deposit HK$14.53M · loan HK$21.80M · min. income ≈ HK$211,264/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,543,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,580
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$113,546
−HK$3,008/mo
Today · 4.125%
HK$116,554
baseline
▲ 0.50% · 4.625%
HK$122,698
+HK$6,144/mo
Deposit HK$14.53M · loan HK$21.80M · min. income ≈ HK$233,108/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,543,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,965
−HK$7,272/mo
▼ 0.25% · 3.875%
HK$119,572
−HK$3,665/mo
Today · 4.125%
HK$123,237
baseline
▲ 0.50% · 4.625%
HK$130,736
+HK$7,499/mo
Deposit HK$10.90M · loan HK$25.43M · min. income ≈ HK$246,474/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,543,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,010
−HK$6,970/mo
▼ 0.25% · 3.875%
HK$132,470
−HK$3,510/mo
Today · 4.125%
HK$135,980
baseline
▲ 0.50% · 4.625%
HK$143,148
+HK$7,168/mo
Deposit HK$10.90M · loan HK$25.43M · min. income ≈ HK$271,960/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,543,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,098
−HK$9,350/mo
▼ 0.25% · 3.875%
HK$153,736
−HK$4,712/mo
Today · 4.125%
HK$158,448
baseline
▲ 0.50% · 4.625%
HK$168,089
+HK$9,641/mo
Deposit HK$3.63M · loan HK$32.69M · min. income ≈ HK$316,896/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,543,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,870
−HK$8,961/mo
▼ 0.25% · 3.875%
HK$170,319
−HK$4,512/mo
Today · 4.125%
HK$174,831
baseline
▲ 0.50% · 4.625%
HK$184,047
+HK$9,216/mo
Deposit HK$3.63M · loan HK$32.69M · min. income ≈ HK$349,662/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,543,848 · Scale 2, in force from 26 Feb 2026)