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$86,994
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$89,700
−HK$2,749/mo
Today · 4.125%
HK$92,449
baseline
▲ 0.50% · 4.625%
HK$98,074
+HK$5,625/mo
Deposit HK$19.08M · loan HK$19.08M · min. income ≈ HK$184,898/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,621,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,780
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$99,375
−HK$2,633/mo
Today · 4.125%
HK$102,008
baseline
▲ 0.50% · 4.625%
HK$107,385
+HK$5,377/mo
Deposit HK$19.08M · loan HK$19.08M · min. income ≈ HK$204,016/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,621,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,392
−HK$6,547/mo
▼ 0.25% · 3.875%
HK$107,640
−HK$3,299/mo
Today · 4.125%
HK$110,939
baseline
▲ 0.50% · 4.625%
HK$117,689
+HK$6,750/mo
Deposit HK$15.26M · loan HK$22.89M · min. income ≈ HK$221,878/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,621,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,136
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$119,250
−HK$3,160/mo
Today · 4.125%
HK$122,410
baseline
▲ 0.50% · 4.625%
HK$128,862
+HK$6,452/mo
Deposit HK$15.26M · loan HK$22.89M · min. income ≈ HK$244,820/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,621,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,791
−HK$7,638/mo
▼ 0.25% · 3.875%
HK$125,580
−HK$3,849/mo
Today · 4.125%
HK$129,429
baseline
▲ 0.50% · 4.625%
HK$137,304
+HK$7,875/mo
Deposit HK$11.45M · loan HK$26.71M · min. income ≈ HK$258,858/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,621,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,491
−HK$7,321/mo
▼ 0.25% · 3.875%
HK$139,125
−HK$3,687/mo
Today · 4.125%
HK$142,812
baseline
▲ 0.50% · 4.625%
HK$150,339
+HK$7,527/mo
Deposit HK$11.45M · loan HK$26.71M · min. income ≈ HK$285,624/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,621,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,589
−HK$9,819/mo
▼ 0.25% · 3.875%
HK$161,459
−HK$4,949/mo
Today · 4.125%
HK$166,408
baseline
▲ 0.50% · 4.625%
HK$176,534
+HK$10,126/mo
Deposit HK$3.82M · loan HK$34.34M · min. income ≈ HK$332,816/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,621,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,203
−HK$9,412/mo
▼ 0.25% · 3.875%
HK$178,875
−HK$4,740/mo
Today · 4.125%
HK$183,615
baseline
▲ 0.50% · 4.625%
HK$193,294
+HK$9,679/mo
Deposit HK$3.82M · loan HK$34.34M · min. income ≈ HK$367,230/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,621,411 · Scale 2, in force from 26 Feb 2026)