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$86,626
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$89,321
−HK$2,738/mo
Today · 4.125%
HK$92,059
baseline
▲ 0.50% · 4.625%
HK$97,660
+HK$5,601/mo
Deposit HK$18.99M · loan HK$18.99M · min. income ≈ HK$184,118/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$1,614,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,371
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$98,956
−HK$2,622/mo
Today · 4.125%
HK$101,578
baseline
▲ 0.50% · 4.625%
HK$106,932
+HK$5,354/mo
Deposit HK$18.99M · loan HK$18.99M · min. income ≈ HK$203,156/mo (50% DSR)
Upfront cash ≈ HK$20.61M (deposit + AVD stamp duty HK$1,614,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,952
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$107,185
−HK$3,285/mo
Today · 4.125%
HK$110,470
baseline
▲ 0.50% · 4.625%
HK$117,192
+HK$6,722/mo
Deposit HK$15.20M · loan HK$22.79M · min. income ≈ HK$220,940/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,614,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,645
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$118,747
−HK$3,146/mo
Today · 4.125%
HK$121,893
baseline
▲ 0.50% · 4.625%
HK$128,318
+HK$6,425/mo
Deposit HK$15.20M · loan HK$22.79M · min. income ≈ HK$243,786/mo (50% DSR)
Upfront cash ≈ HK$16.81M (deposit + AVD stamp duty HK$1,614,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,277
−HK$7,605/mo
▼ 0.25% · 3.875%
HK$125,049
−HK$3,833/mo
Today · 4.125%
HK$128,882
baseline
▲ 0.50% · 4.625%
HK$136,724
+HK$7,842/mo
Deposit HK$11.40M · loan HK$26.59M · min. income ≈ HK$257,764/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,614,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,919
−HK$7,290/mo
▼ 0.25% · 3.875%
HK$138,538
−HK$3,671/mo
Today · 4.125%
HK$142,209
baseline
▲ 0.50% · 4.625%
HK$149,705
+HK$7,496/mo
Deposit HK$11.40M · loan HK$26.59M · min. income ≈ HK$284,418/mo (50% DSR)
Upfront cash ≈ HK$13.01M (deposit + AVD stamp duty HK$1,614,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,927
−HK$9,778/mo
▼ 0.25% · 3.875%
HK$160,778
−HK$4,927/mo
Today · 4.125%
HK$165,705
baseline
▲ 0.50% · 4.625%
HK$175,788
+HK$10,083/mo
Deposit HK$3.80M · loan HK$34.19M · min. income ≈ HK$331,410/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,614,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,468
−HK$9,372/mo
▼ 0.25% · 3.875%
HK$178,120
−HK$4,720/mo
Today · 4.125%
HK$182,840
baseline
▲ 0.50% · 4.625%
HK$192,477
+HK$9,637/mo
Deposit HK$3.80M · loan HK$34.19M · min. income ≈ HK$365,680/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,614,565 · Scale 2, in force from 26 Feb 2026)