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$84,329
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$86,952
−HK$2,665/mo
Today · 4.125%
HK$89,617
baseline
▲ 0.50% · 4.625%
HK$95,070
+HK$5,453/mo
Deposit HK$18.49M · loan HK$18.49M · min. income ≈ HK$179,234/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,571,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,815
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,331
−HK$2,552/mo
Today · 4.125%
HK$98,883
baseline
▲ 0.50% · 4.625%
HK$104,096
+HK$5,213/mo
Deposit HK$18.49M · loan HK$18.49M · min. income ≈ HK$197,766/mo (50% DSR)
Upfront cash ≈ HK$20.06M (deposit + AVD stamp duty HK$1,571,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,194
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$104,342
−HK$3,198/mo
Today · 4.125%
HK$107,540
baseline
▲ 0.50% · 4.625%
HK$114,084
+HK$6,544/mo
Deposit HK$14.79M · loan HK$22.19M · min. income ≈ HK$215,080/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,571,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,578
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$115,597
−HK$3,063/mo
Today · 4.125%
HK$118,660
baseline
▲ 0.50% · 4.625%
HK$124,915
+HK$6,255/mo
Deposit HK$14.79M · loan HK$22.19M · min. income ≈ HK$237,320/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,571,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,060
−HK$7,404/mo
▼ 0.25% · 3.875%
HK$121,732
−HK$3,732/mo
Today · 4.125%
HK$125,464
baseline
▲ 0.50% · 4.625%
HK$133,098
+HK$7,634/mo
Deposit HK$11.09M · loan HK$25.89M · min. income ≈ HK$250,928/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,571,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,341
−HK$7,096/mo
▼ 0.25% · 3.875%
HK$134,863
−HK$3,574/mo
Today · 4.125%
HK$138,437
baseline
▲ 0.50% · 4.625%
HK$145,734
+HK$7,297/mo
Deposit HK$11.09M · loan HK$25.89M · min. income ≈ HK$276,874/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,571,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,792
−HK$9,518/mo
▼ 0.25% · 3.875%
HK$156,513
−HK$4,797/mo
Today · 4.125%
HK$161,310
baseline
▲ 0.50% · 4.625%
HK$171,126
+HK$9,816/mo
Deposit HK$3.70M · loan HK$33.28M · min. income ≈ HK$322,620/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,571,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,867
−HK$9,123/mo
▼ 0.25% · 3.875%
HK$173,396
−HK$4,594/mo
Today · 4.125%
HK$177,990
baseline
▲ 0.50% · 4.625%
HK$187,372
+HK$9,382/mo
Deposit HK$3.70M · loan HK$33.28M · min. income ≈ HK$355,980/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$1,571,740 · Scale 2, in force from 26 Feb 2026)