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$81,768
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$84,312
−HK$2,584/mo
Today · 4.125%
HK$86,896
baseline
▲ 0.50% · 4.625%
HK$92,183
+HK$5,287/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$173,792/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,524,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,966
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$93,406
−HK$2,475/mo
Today · 4.125%
HK$95,881
baseline
▲ 0.50% · 4.625%
HK$100,935
+HK$5,054/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$191,762/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,524,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,122
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,174
−HK$3,101/mo
Today · 4.125%
HK$104,275
baseline
▲ 0.50% · 4.625%
HK$110,620
+HK$6,345/mo
Deposit HK$14.34M · loan HK$21.52M · min. income ≈ HK$208,550/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,524,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,160
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,087
−HK$2,970/mo
Today · 4.125%
HK$115,057
baseline
▲ 0.50% · 4.625%
HK$121,122
+HK$6,065/mo
Deposit HK$14.34M · loan HK$21.52M · min. income ≈ HK$230,114/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,524,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,476
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$118,036
−HK$3,618/mo
Today · 4.125%
HK$121,654
baseline
▲ 0.50% · 4.625%
HK$129,057
+HK$7,403/mo
Deposit HK$10.76M · loan HK$25.10M · min. income ≈ HK$243,308/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,524,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,353
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$130,769
−HK$3,464/mo
Today · 4.125%
HK$134,233
baseline
▲ 0.50% · 4.625%
HK$141,309
+HK$7,076/mo
Deposit HK$10.76M · loan HK$25.10M · min. income ≈ HK$268,466/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,524,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,183
−HK$9,230/mo
▼ 0.25% · 3.875%
HK$151,761
−HK$4,652/mo
Today · 4.125%
HK$156,413
baseline
▲ 0.50% · 4.625%
HK$165,930
+HK$9,517/mo
Deposit HK$3.59M · loan HK$32.27M · min. income ≈ HK$312,826/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,524,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,740
−HK$8,846/mo
▼ 0.25% · 3.875%
HK$168,131
−HK$4,455/mo
Today · 4.125%
HK$172,586
baseline
▲ 0.50% · 4.625%
HK$181,683
+HK$9,097/mo
Deposit HK$3.59M · loan HK$32.27M · min. income ≈ HK$345,172/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,524,019 · Scale 2, in force from 26 Feb 2026)