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$88,535
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$91,289
−HK$2,798/mo
Today · 4.125%
HK$94,087
baseline
▲ 0.50% · 4.625%
HK$99,812
+HK$5,725/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$188,174/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,650,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,495
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$101,136
−HK$2,680/mo
Today · 4.125%
HK$103,816
baseline
▲ 0.50% · 4.625%
HK$109,288
+HK$5,472/mo
Deposit HK$19.41M · loan HK$19.41M · min. income ≈ HK$207,632/mo (50% DSR)
Upfront cash ≈ HK$21.06M (deposit + AVD stamp duty HK$1,650,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,242
−HK$6,663/mo
▼ 0.25% · 3.875%
HK$109,547
−HK$3,358/mo
Today · 4.125%
HK$112,905
baseline
▲ 0.50% · 4.625%
HK$119,775
+HK$6,870/mo
Deposit HK$15.53M · loan HK$23.30M · min. income ≈ HK$225,810/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,650,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,194
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$121,364
−HK$3,215/mo
Today · 4.125%
HK$124,579
baseline
▲ 0.50% · 4.625%
HK$131,146
+HK$6,567/mo
Deposit HK$15.53M · loan HK$23.30M · min. income ≈ HK$249,158/mo (50% DSR)
Upfront cash ≈ HK$17.18M (deposit + AVD stamp duty HK$1,650,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,949
−HK$7,773/mo
▼ 0.25% · 3.875%
HK$127,805
−HK$3,917/mo
Today · 4.125%
HK$131,722
baseline
▲ 0.50% · 4.625%
HK$139,737
+HK$8,015/mo
Deposit HK$11.65M · loan HK$27.18M · min. income ≈ HK$263,444/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,650,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,893
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$141,591
−HK$3,751/mo
Today · 4.125%
HK$145,342
baseline
▲ 0.50% · 4.625%
HK$153,004
+HK$7,662/mo
Deposit HK$11.65M · loan HK$27.18M · min. income ≈ HK$290,684/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,650,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,364
−HK$9,993/mo
▼ 0.25% · 3.875%
HK$164,321
−HK$5,036/mo
Today · 4.125%
HK$169,357
baseline
▲ 0.50% · 4.625%
HK$179,662
+HK$10,305/mo
Deposit HK$3.88M · loan HK$34.94M · min. income ≈ HK$338,714/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,650,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,290
−HK$9,579/mo
▼ 0.25% · 3.875%
HK$182,045
−HK$4,824/mo
Today · 4.125%
HK$186,869
baseline
▲ 0.50% · 4.625%
HK$196,719
+HK$9,850/mo
Deposit HK$3.88M · loan HK$34.94M · min. income ≈ HK$373,738/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,650,145 · Scale 2, in force from 26 Feb 2026)