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$86,443
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$89,131
−HK$2,732/mo
Today · 4.125%
HK$91,863
baseline
▲ 0.50% · 4.625%
HK$97,453
+HK$5,590/mo
Deposit HK$18.95M · loan HK$18.95M · min. income ≈ HK$183,726/mo (50% DSR)
Upfront cash ≈ HK$20.57M (deposit + AVD stamp duty HK$1,611,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,167
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,746
−HK$2,616/mo
Today · 4.125%
HK$101,362
baseline
▲ 0.50% · 4.625%
HK$106,705
+HK$5,343/mo
Deposit HK$18.95M · loan HK$18.95M · min. income ≈ HK$202,724/mo (50% DSR)
Upfront cash ≈ HK$20.57M (deposit + AVD stamp duty HK$1,611,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,731
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$106,958
−HK$3,278/mo
Today · 4.125%
HK$110,236
baseline
▲ 0.50% · 4.625%
HK$116,944
+HK$6,708/mo
Deposit HK$15.16M · loan HK$22.75M · min. income ≈ HK$220,472/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,611,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,400
−HK$6,234/mo
▼ 0.25% · 3.875%
HK$118,495
−HK$3,139/mo
Today · 4.125%
HK$121,634
baseline
▲ 0.50% · 4.625%
HK$128,046
+HK$6,412/mo
Deposit HK$15.16M · loan HK$22.75M · min. income ≈ HK$243,268/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,611,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,020
−HK$7,589/mo
▼ 0.25% · 3.875%
HK$124,784
−HK$3,825/mo
Today · 4.125%
HK$128,609
baseline
▲ 0.50% · 4.625%
HK$136,434
+HK$7,825/mo
Deposit HK$11.37M · loan HK$26.54M · min. income ≈ HK$257,218/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,611,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,633
−HK$7,274/mo
▼ 0.25% · 3.875%
HK$138,244
−HK$3,663/mo
Today · 4.125%
HK$141,907
baseline
▲ 0.50% · 4.625%
HK$149,387
+HK$7,480/mo
Deposit HK$11.37M · loan HK$26.54M · min. income ≈ HK$283,814/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,611,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,597
−HK$9,757/mo
▼ 0.25% · 3.875%
HK$160,437
−HK$4,917/mo
Today · 4.125%
HK$165,354
baseline
▲ 0.50% · 4.625%
HK$175,415
+HK$10,061/mo
Deposit HK$3.79M · loan HK$34.12M · min. income ≈ HK$330,708/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,611,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,100
−HK$9,352/mo
▼ 0.25% · 3.875%
HK$177,742
−HK$4,710/mo
Today · 4.125%
HK$182,452
baseline
▲ 0.50% · 4.625%
HK$192,069
+HK$9,617/mo
Deposit HK$3.79M · loan HK$34.12M · min. income ≈ HK$364,904/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,611,139 · Scale 2, in force from 26 Feb 2026)