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$82,589
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$85,158
−HK$2,610/mo
Today · 4.125%
HK$87,768
baseline
▲ 0.50% · 4.625%
HK$93,109
+HK$5,341/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$175,536/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,880
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,344
−HK$2,500/mo
Today · 4.125%
HK$96,844
baseline
▲ 0.50% · 4.625%
HK$101,949
+HK$5,105/mo
Deposit HK$18.11M · loan HK$18.11M · min. income ≈ HK$193,688/mo (50% DSR)
Upfront cash ≈ HK$19.65M (deposit + AVD stamp duty HK$1,539,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,107
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$102,190
−HK$3,132/mo
Today · 4.125%
HK$105,322
baseline
▲ 0.50% · 4.625%
HK$111,731
+HK$6,409/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$210,644/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,256
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$113,213
−HK$3,000/mo
Today · 4.125%
HK$116,213
baseline
▲ 0.50% · 4.625%
HK$122,338
+HK$6,125/mo
Deposit HK$14.49M · loan HK$21.73M · min. income ≈ HK$232,426/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,539,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,625
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$119,222
−HK$3,654/mo
Today · 4.125%
HK$122,876
baseline
▲ 0.50% · 4.625%
HK$130,352
+HK$7,476/mo
Deposit HK$10.87M · loan HK$25.35M · min. income ≈ HK$245,752/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,539,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,632
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$132,082
−HK$3,499/mo
Today · 4.125%
HK$135,581
baseline
▲ 0.50% · 4.625%
HK$142,728
+HK$7,147/mo
Deposit HK$10.87M · loan HK$25.35M · min. income ≈ HK$271,162/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,539,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,661
−HK$9,322/mo
▼ 0.25% · 3.875%
HK$153,285
−HK$4,698/mo
Today · 4.125%
HK$157,983
baseline
▲ 0.50% · 4.625%
HK$167,596
+HK$9,613/mo
Deposit HK$3.62M · loan HK$32.60M · min. income ≈ HK$315,966/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,384
−HK$8,935/mo
▼ 0.25% · 3.875%
HK$169,819
−HK$4,500/mo
Today · 4.125%
HK$174,319
baseline
▲ 0.50% · 4.625%
HK$183,507
+HK$9,188/mo
Deposit HK$3.62M · loan HK$32.60M · min. income ≈ HK$348,638/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,539,322 · Scale 2, in force from 26 Feb 2026)