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$85,703
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,369
−HK$2,708/mo
Today · 4.125%
HK$91,077
baseline
▲ 0.50% · 4.625%
HK$96,619
+HK$5,542/mo
Deposit HK$18.79M · loan HK$18.79M · min. income ≈ HK$182,154/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,344
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,901
−HK$2,594/mo
Today · 4.125%
HK$100,495
baseline
▲ 0.50% · 4.625%
HK$105,792
+HK$5,297/mo
Deposit HK$18.79M · loan HK$18.79M · min. income ≈ HK$200,990/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,843
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,042
−HK$3,251/mo
Today · 4.125%
HK$109,293
baseline
▲ 0.50% · 4.625%
HK$115,943
+HK$6,650/mo
Deposit HK$15.03M · loan HK$22.55M · min. income ≈ HK$218,586/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,412
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$117,481
−HK$3,113/mo
Today · 4.125%
HK$120,594
baseline
▲ 0.50% · 4.625%
HK$126,950
+HK$6,356/mo
Deposit HK$15.03M · loan HK$22.55M · min. income ≈ HK$241,188/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,597,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,984
−HK$7,524/mo
▼ 0.25% · 3.875%
HK$123,716
−HK$3,792/mo
Today · 4.125%
HK$127,508
baseline
▲ 0.50% · 4.625%
HK$135,267
+HK$7,759/mo
Deposit HK$11.28M · loan HK$26.31M · min. income ≈ HK$255,016/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,597,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,481
−HK$7,212/mo
▼ 0.25% · 3.875%
HK$137,061
−HK$3,632/mo
Today · 4.125%
HK$140,693
baseline
▲ 0.50% · 4.625%
HK$148,109
+HK$7,416/mo
Deposit HK$11.28M · loan HK$26.31M · min. income ≈ HK$281,386/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,597,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,265
−HK$9,674/mo
▼ 0.25% · 3.875%
HK$159,064
−HK$4,875/mo
Today · 4.125%
HK$163,939
baseline
▲ 0.50% · 4.625%
HK$173,914
+HK$9,975/mo
Deposit HK$3.76M · loan HK$33.83M · min. income ≈ HK$327,878/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,618
−HK$9,272/mo
▼ 0.25% · 3.875%
HK$176,221
−HK$4,669/mo
Today · 4.125%
HK$180,890
baseline
▲ 0.50% · 4.625%
HK$190,425
+HK$9,535/mo
Deposit HK$3.76M · loan HK$33.83M · min. income ≈ HK$361,780/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,353 · Scale 2, in force from 26 Feb 2026)