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$87,886
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,620
−HK$2,777/mo
Today · 4.125%
HK$93,397
baseline
▲ 0.50% · 4.625%
HK$99,080
+HK$5,683/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$186,794/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$1,638,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,772
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,395
−HK$2,660/mo
Today · 4.125%
HK$103,055
baseline
▲ 0.50% · 4.625%
HK$108,487
+HK$5,432/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$206,110/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$1,638,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,463
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$108,744
−HK$3,333/mo
Today · 4.125%
HK$112,077
baseline
▲ 0.50% · 4.625%
HK$118,896
+HK$6,819/mo
Deposit HK$15.42M · loan HK$23.13M · min. income ≈ HK$224,154/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,638,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,327
−HK$6,339/mo
▼ 0.25% · 3.875%
HK$120,474
−HK$3,192/mo
Today · 4.125%
HK$123,666
baseline
▲ 0.50% · 4.625%
HK$130,184
+HK$6,518/mo
Deposit HK$15.42M · loan HK$23.13M · min. income ≈ HK$247,332/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,638,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,041
−HK$7,715/mo
▼ 0.25% · 3.875%
HK$126,868
−HK$3,888/mo
Today · 4.125%
HK$130,756
baseline
▲ 0.50% · 4.625%
HK$138,713
+HK$7,957/mo
Deposit HK$11.56M · loan HK$26.98M · min. income ≈ HK$261,512/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,638,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,881
−HK$7,396/mo
▼ 0.25% · 3.875%
HK$140,553
−HK$3,724/mo
Today · 4.125%
HK$144,277
baseline
▲ 0.50% · 4.625%
HK$151,882
+HK$7,605/mo
Deposit HK$11.56M · loan HK$26.98M · min. income ≈ HK$288,554/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,638,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,195
−HK$9,920/mo
▼ 0.25% · 3.875%
HK$163,116
−HK$4,999/mo
Today · 4.125%
HK$168,115
baseline
▲ 0.50% · 4.625%
HK$178,345
+HK$10,230/mo
Deposit HK$3.85M · loan HK$34.69M · min. income ≈ HK$336,230/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,638,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,990
−HK$9,509/mo
▼ 0.25% · 3.875%
HK$180,710
−HK$4,789/mo
Today · 4.125%
HK$185,499
baseline
▲ 0.50% · 4.625%
HK$195,277
+HK$9,778/mo
Deposit HK$3.85M · loan HK$34.69M · min. income ≈ HK$370,998/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,638,045 · Scale 2, in force from 26 Feb 2026)