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$81,982
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$84,532
−HK$2,591/mo
Today · 4.125%
HK$87,123
baseline
▲ 0.50% · 4.625%
HK$92,424
+HK$5,301/mo
Deposit HK$17.98M · loan HK$17.98M · min. income ≈ HK$174,246/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,527,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,204
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,650
−HK$2,481/mo
Today · 4.125%
HK$96,131
baseline
▲ 0.50% · 4.625%
HK$101,198
+HK$5,067/mo
Deposit HK$17.98M · loan HK$17.98M · min. income ≈ HK$192,262/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,527,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,378
−HK$6,169/mo
▼ 0.25% · 3.875%
HK$101,438
−HK$3,109/mo
Today · 4.125%
HK$104,547
baseline
▲ 0.50% · 4.625%
HK$110,909
+HK$6,362/mo
Deposit HK$14.38M · loan HK$21.57M · min. income ≈ HK$209,094/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,527,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,445
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$112,380
−HK$2,978/mo
Today · 4.125%
HK$115,358
baseline
▲ 0.50% · 4.625%
HK$121,438
+HK$6,080/mo
Deposit HK$14.38M · loan HK$21.57M · min. income ≈ HK$230,716/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,527,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,774
−HK$7,198/mo
▼ 0.25% · 3.875%
HK$118,344
−HK$3,628/mo
Today · 4.125%
HK$121,972
baseline
▲ 0.50% · 4.625%
HK$129,393
+HK$7,421/mo
Deposit HK$10.79M · loan HK$25.17M · min. income ≈ HK$243,944/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,527,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,685
−HK$6,899/mo
▼ 0.25% · 3.875%
HK$131,110
−HK$3,474/mo
Today · 4.125%
HK$134,584
baseline
▲ 0.50% · 4.625%
HK$141,678
+HK$7,094/mo
Deposit HK$10.79M · loan HK$25.17M · min. income ≈ HK$269,168/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,527,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,567
−HK$9,254/mo
▼ 0.25% · 3.875%
HK$152,157
−HK$4,664/mo
Today · 4.125%
HK$156,821
baseline
▲ 0.50% · 4.625%
HK$166,363
+HK$9,542/mo
Deposit HK$3.60M · loan HK$32.36M · min. income ≈ HK$313,642/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,527,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,167
−HK$8,869/mo
▼ 0.25% · 3.875%
HK$168,570
−HK$4,466/mo
Today · 4.125%
HK$173,036
baseline
▲ 0.50% · 4.625%
HK$182,157
+HK$9,121/mo
Deposit HK$3.60M · loan HK$32.36M · min. income ≈ HK$346,072/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,527,996 · Scale 2, in force from 26 Feb 2026)