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$85,574
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$88,236
−HK$2,705/mo
Today · 4.125%
HK$90,941
baseline
▲ 0.50% · 4.625%
HK$96,474
+HK$5,533/mo
Deposit HK$18.76M · loan HK$18.76M · min. income ≈ HK$181,882/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,594,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,201
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,754
−HK$2,590/mo
Today · 4.125%
HK$100,344
baseline
▲ 0.50% · 4.625%
HK$105,633
+HK$5,289/mo
Deposit HK$18.76M · loan HK$18.76M · min. income ≈ HK$200,688/mo (50% DSR)
Upfront cash ≈ HK$20.36M (deposit + AVD stamp duty HK$1,594,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,689
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,884
−HK$3,245/mo
Today · 4.125%
HK$109,129
baseline
▲ 0.50% · 4.625%
HK$115,769
+HK$6,640/mo
Deposit HK$15.01M · loan HK$22.52M · min. income ≈ HK$218,258/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,594,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,241
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$117,305
−HK$3,108/mo
Today · 4.125%
HK$120,413
baseline
▲ 0.50% · 4.625%
HK$126,760
+HK$6,347/mo
Deposit HK$15.01M · loan HK$22.52M · min. income ≈ HK$240,826/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,594,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,804
−HK$7,513/mo
▼ 0.25% · 3.875%
HK$123,531
−HK$3,786/mo
Today · 4.125%
HK$127,317
baseline
▲ 0.50% · 4.625%
HK$135,064
+HK$7,747/mo
Deposit HK$11.26M · loan HK$26.27M · min. income ≈ HK$254,634/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,594,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,281
−HK$7,201/mo
▼ 0.25% · 3.875%
HK$136,855
−HK$3,627/mo
Today · 4.125%
HK$140,482
baseline
▲ 0.50% · 4.625%
HK$147,887
+HK$7,405/mo
Deposit HK$11.26M · loan HK$26.27M · min. income ≈ HK$280,964/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,594,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,034
−HK$9,659/mo
▼ 0.25% · 3.875%
HK$158,825
−HK$4,868/mo
Today · 4.125%
HK$163,693
baseline
▲ 0.50% · 4.625%
HK$173,654
+HK$9,961/mo
Deposit HK$3.75M · loan HK$33.78M · min. income ≈ HK$327,386/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,594,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,361
−HK$9,258/mo
▼ 0.25% · 3.875%
HK$175,957
−HK$4,662/mo
Today · 4.125%
HK$180,619
baseline
▲ 0.50% · 4.625%
HK$190,140
+HK$9,521/mo
Deposit HK$3.75M · loan HK$33.78M · min. income ≈ HK$361,238/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,594,958 · Scale 2, in force from 26 Feb 2026)