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$87,485
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$90,207
−HK$2,765/mo
Today · 4.125%
HK$92,972
baseline
▲ 0.50% · 4.625%
HK$98,629
+HK$5,657/mo
Deposit HK$19.18M · loan HK$19.18M · min. income ≈ HK$185,944/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,630,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,327
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$99,937
−HK$2,648/mo
Today · 4.125%
HK$102,585
baseline
▲ 0.50% · 4.625%
HK$107,992
+HK$5,407/mo
Deposit HK$19.18M · loan HK$19.18M · min. income ≈ HK$205,170/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,630,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,983
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$108,248
−HK$3,318/mo
Today · 4.125%
HK$111,566
baseline
▲ 0.50% · 4.625%
HK$118,354
+HK$6,788/mo
Deposit HK$15.35M · loan HK$23.02M · min. income ≈ HK$223,132/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,630,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,792
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$119,924
−HK$3,178/mo
Today · 4.125%
HK$123,102
baseline
▲ 0.50% · 4.625%
HK$129,591
+HK$6,489/mo
Deposit HK$15.35M · loan HK$23.02M · min. income ≈ HK$246,204/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,630,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,480
−HK$7,680/mo
▼ 0.25% · 3.875%
HK$126,289
−HK$3,871/mo
Today · 4.125%
HK$130,160
baseline
▲ 0.50% · 4.625%
HK$138,080
+HK$7,920/mo
Deposit HK$11.51M · loan HK$26.86M · min. income ≈ HK$260,320/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,257
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$139,912
−HK$3,707/mo
Today · 4.125%
HK$143,619
baseline
▲ 0.50% · 4.625%
HK$151,189
+HK$7,570/mo
Deposit HK$11.51M · loan HK$26.86M · min. income ≈ HK$287,238/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,474
−HK$9,875/mo
▼ 0.25% · 3.875%
HK$162,372
−HK$4,977/mo
Today · 4.125%
HK$167,349
baseline
▲ 0.50% · 4.625%
HK$177,532
+HK$10,183/mo
Deposit HK$3.84M · loan HK$34.53M · min. income ≈ HK$334,698/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,188
−HK$9,465/mo
▼ 0.25% · 3.875%
HK$179,887
−HK$4,766/mo
Today · 4.125%
HK$184,653
baseline
▲ 0.50% · 4.625%
HK$194,386
+HK$9,733/mo
Deposit HK$3.84M · loan HK$34.53M · min. income ≈ HK$369,306/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,577 · Scale 2, in force from 26 Feb 2026)