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$82,668
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,239
−HK$2,613/mo
Today · 4.125%
HK$87,852
baseline
▲ 0.50% · 4.625%
HK$93,197
+HK$5,345/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$175,704/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,540,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,967
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,434
−HK$2,502/mo
Today · 4.125%
HK$96,936
baseline
▲ 0.50% · 4.625%
HK$102,045
+HK$5,109/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$193,872/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,540,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,201
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,287
−HK$3,135/mo
Today · 4.125%
HK$105,422
baseline
▲ 0.50% · 4.625%
HK$111,837
+HK$6,415/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$210,844/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,361
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,320
−HK$3,003/mo
Today · 4.125%
HK$116,323
baseline
▲ 0.50% · 4.625%
HK$122,455
+HK$6,132/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$232,646/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,735
−HK$7,258/mo
▼ 0.25% · 3.875%
HK$119,335
−HK$3,658/mo
Today · 4.125%
HK$122,993
baseline
▲ 0.50% · 4.625%
HK$130,476
+HK$7,483/mo
Deposit HK$10.88M · loan HK$25.38M · min. income ≈ HK$245,986/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,540,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,754
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$132,207
−HK$3,503/mo
Today · 4.125%
HK$135,710
baseline
▲ 0.50% · 4.625%
HK$142,864
+HK$7,154/mo
Deposit HK$10.88M · loan HK$25.38M · min. income ≈ HK$271,420/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,540,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,802
−HK$9,331/mo
▼ 0.25% · 3.875%
HK$153,431
−HK$4,702/mo
Today · 4.125%
HK$158,133
baseline
▲ 0.50% · 4.625%
HK$167,755
+HK$9,622/mo
Deposit HK$3.63M · loan HK$32.63M · min. income ≈ HK$316,266/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,540,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,541
−HK$8,944/mo
▼ 0.25% · 3.875%
HK$169,981
−HK$4,504/mo
Today · 4.125%
HK$174,485
baseline
▲ 0.50% · 4.625%
HK$183,682
+HK$9,197/mo
Deposit HK$3.63M · loan HK$32.63M · min. income ≈ HK$348,970/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,540,785 · Scale 2, in force from 26 Feb 2026)