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$82,467
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,033
−HK$2,606/mo
Today · 4.125%
HK$87,639
baseline
▲ 0.50% · 4.625%
HK$92,971
+HK$5,332/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$175,278/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,537,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,744
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,205
−HK$2,496/mo
Today · 4.125%
HK$96,701
baseline
▲ 0.50% · 4.625%
HK$101,798
+HK$5,097/mo
Deposit HK$18.08M · loan HK$18.08M · min. income ≈ HK$193,402/mo (50% DSR)
Upfront cash ≈ HK$19.62M (deposit + AVD stamp duty HK$1,537,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,961
−HK$6,206/mo
▼ 0.25% · 3.875%
HK$102,039
−HK$3,128/mo
Today · 4.125%
HK$105,167
baseline
▲ 0.50% · 4.625%
HK$111,566
+HK$6,399/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$210,334/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,537,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,093
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$113,046
−HK$2,995/mo
Today · 4.125%
HK$116,041
baseline
▲ 0.50% · 4.625%
HK$122,158
+HK$6,117/mo
Deposit HK$14.47M · loan HK$21.70M · min. income ≈ HK$232,082/mo (50% DSR)
Upfront cash ≈ HK$16.00M (deposit + AVD stamp duty HK$1,537,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,454
−HK$7,240/mo
▼ 0.25% · 3.875%
HK$119,046
−HK$3,648/mo
Today · 4.125%
HK$122,694
baseline
▲ 0.50% · 4.625%
HK$130,160
+HK$7,466/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$245,388/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,442
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$131,887
−HK$3,494/mo
Today · 4.125%
HK$135,381
baseline
▲ 0.50% · 4.625%
HK$142,517
+HK$7,136/mo
Deposit HK$10.85M · loan HK$25.32M · min. income ≈ HK$270,762/mo (50% DSR)
Upfront cash ≈ HK$12.39M (deposit + AVD stamp duty HK$1,537,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,441
−HK$9,309/mo
▼ 0.25% · 3.875%
HK$153,059
−HK$4,691/mo
Today · 4.125%
HK$157,750
baseline
▲ 0.50% · 4.625%
HK$167,349
+HK$9,599/mo
Deposit HK$3.62M · loan HK$32.55M · min. income ≈ HK$315,500/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,537,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,139
−HK$8,922/mo
▼ 0.25% · 3.875%
HK$169,568
−HK$4,493/mo
Today · 4.125%
HK$174,061
baseline
▲ 0.50% · 4.625%
HK$183,236
+HK$9,175/mo
Deposit HK$3.62M · loan HK$32.55M · min. income ≈ HK$348,122/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,537,049 · Scale 2, in force from 26 Feb 2026)