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$88,647
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,405
−HK$2,801/mo
Today · 4.125%
HK$94,206
baseline
▲ 0.50% · 4.625%
HK$99,939
+HK$5,733/mo
Deposit HK$19.44M · loan HK$19.44M · min. income ≈ HK$188,412/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$1,652,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,619
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,264
−HK$2,683/mo
Today · 4.125%
HK$103,947
baseline
▲ 0.50% · 4.625%
HK$109,427
+HK$5,480/mo
Deposit HK$19.44M · loan HK$19.44M · min. income ≈ HK$207,894/mo (50% DSR)
Upfront cash ≈ HK$21.09M (deposit + AVD stamp duty HK$1,652,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,377
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$109,686
−HK$3,362/mo
Today · 4.125%
HK$113,048
baseline
▲ 0.50% · 4.625%
HK$119,926
+HK$6,878/mo
Deposit HK$15.55M · loan HK$23.33M · min. income ≈ HK$226,096/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,652,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,343
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$121,517
−HK$3,220/mo
Today · 4.125%
HK$124,737
baseline
▲ 0.50% · 4.625%
HK$131,312
+HK$6,575/mo
Deposit HK$15.55M · loan HK$23.33M · min. income ≈ HK$249,474/mo (50% DSR)
Upfront cash ≈ HK$17.20M (deposit + AVD stamp duty HK$1,652,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,106
−HK$7,783/mo
▼ 0.25% · 3.875%
HK$127,967
−HK$3,922/mo
Today · 4.125%
HK$131,889
baseline
▲ 0.50% · 4.625%
HK$139,914
+HK$8,025/mo
Deposit HK$11.66M · loan HK$27.21M · min. income ≈ HK$263,778/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,067
−HK$7,459/mo
▼ 0.25% · 3.875%
HK$141,770
−HK$3,756/mo
Today · 4.125%
HK$145,526
baseline
▲ 0.50% · 4.625%
HK$153,197
+HK$7,671/mo
Deposit HK$11.66M · loan HK$27.21M · min. income ≈ HK$291,052/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,652,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,565
−HK$10,006/mo
▼ 0.25% · 3.875%
HK$164,529
−HK$5,042/mo
Today · 4.125%
HK$169,571
baseline
▲ 0.50% · 4.625%
HK$179,889
+HK$10,318/mo
Deposit HK$3.89M · loan HK$34.99M · min. income ≈ HK$339,142/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,515
−HK$9,590/mo
▼ 0.25% · 3.875%
HK$182,275
−HK$4,830/mo
Today · 4.125%
HK$187,105
baseline
▲ 0.50% · 4.625%
HK$196,968
+HK$9,863/mo
Deposit HK$3.89M · loan HK$34.99M · min. income ≈ HK$374,210/mo (50% DSR)
Upfront cash ≈ HK$5.54M (deposit + AVD stamp duty HK$1,652,232 · Scale 2, in force from 26 Feb 2026)