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$81,689
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,230
−HK$2,581/mo
Today · 4.125%
HK$86,811
baseline
▲ 0.50% · 4.625%
HK$92,094
+HK$5,283/mo
Deposit HK$17.91M · loan HK$17.91M · min. income ≈ HK$173,622/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$1,522,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,878
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$93,315
−HK$2,473/mo
Today · 4.125%
HK$95,788
baseline
▲ 0.50% · 4.625%
HK$100,837
+HK$5,049/mo
Deposit HK$17.91M · loan HK$17.91M · min. income ≈ HK$191,576/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$1,522,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,027
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,076
−HK$3,098/mo
Today · 4.125%
HK$104,174
baseline
▲ 0.50% · 4.625%
HK$110,513
+HK$6,339/mo
Deposit HK$14.33M · loan HK$21.49M · min. income ≈ HK$208,348/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,522,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,054
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,978
−HK$2,967/mo
Today · 4.125%
HK$114,945
baseline
▲ 0.50% · 4.625%
HK$121,004
+HK$6,059/mo
Deposit HK$14.33M · loan HK$21.49M · min. income ≈ HK$229,890/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,522,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,364
−HK$7,172/mo
▼ 0.25% · 3.875%
HK$117,922
−HK$3,614/mo
Today · 4.125%
HK$121,536
baseline
▲ 0.50% · 4.625%
HK$128,931
+HK$7,395/mo
Deposit HK$10.75M · loan HK$25.08M · min. income ≈ HK$243,072/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,522,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,229
−HK$6,874/mo
▼ 0.25% · 3.875%
HK$130,642
−HK$3,461/mo
Today · 4.125%
HK$134,103
baseline
▲ 0.50% · 4.625%
HK$141,172
+HK$7,069/mo
Deposit HK$10.75M · loan HK$25.08M · min. income ≈ HK$268,206/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,522,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,040
−HK$9,221/mo
▼ 0.25% · 3.875%
HK$151,614
−HK$4,647/mo
Today · 4.125%
HK$156,261
baseline
▲ 0.50% · 4.625%
HK$165,769
+HK$9,508/mo
Deposit HK$3.58M · loan HK$32.24M · min. income ≈ HK$312,522/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,522,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,581
−HK$8,837/mo
▼ 0.25% · 3.875%
HK$167,968
−HK$4,450/mo
Today · 4.125%
HK$172,418
baseline
▲ 0.50% · 4.625%
HK$181,507
+HK$9,089/mo
Deposit HK$3.58M · loan HK$32.24M · min. income ≈ HK$344,836/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,522,539 · Scale 2, in force from 26 Feb 2026)