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$85,802
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,471
−HK$2,711/mo
Today · 4.125%
HK$91,182
baseline
▲ 0.50% · 4.625%
HK$96,730
+HK$5,548/mo
Deposit HK$18.81M · loan HK$18.81M · min. income ≈ HK$182,364/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,599,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,454
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$98,014
−HK$2,597/mo
Today · 4.125%
HK$100,611
baseline
▲ 0.50% · 4.625%
HK$105,914
+HK$5,303/mo
Deposit HK$18.81M · loan HK$18.81M · min. income ≈ HK$201,222/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,599,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,962
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,165
−HK$3,254/mo
Today · 4.125%
HK$109,419
baseline
▲ 0.50% · 4.625%
HK$116,077
+HK$6,658/mo
Deposit HK$15.05M · loan HK$22.58M · min. income ≈ HK$218,838/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,599,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,544
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$117,616
−HK$3,117/mo
Today · 4.125%
HK$120,733
baseline
▲ 0.50% · 4.625%
HK$127,097
+HK$6,364/mo
Deposit HK$15.05M · loan HK$22.58M · min. income ≈ HK$241,466/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,599,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,122
−HK$7,533/mo
▼ 0.25% · 3.875%
HK$123,859
−HK$3,796/mo
Today · 4.125%
HK$127,655
baseline
▲ 0.50% · 4.625%
HK$135,423
+HK$7,768/mo
Deposit HK$11.29M · loan HK$26.34M · min. income ≈ HK$255,310/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,635
−HK$7,220/mo
▼ 0.25% · 3.875%
HK$137,219
−HK$3,636/mo
Today · 4.125%
HK$140,855
baseline
▲ 0.50% · 4.625%
HK$148,279
+HK$7,424/mo
Deposit HK$11.29M · loan HK$26.34M · min. income ≈ HK$281,710/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,599,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,443
−HK$9,685/mo
▼ 0.25% · 3.875%
HK$159,247
−HK$4,881/mo
Today · 4.125%
HK$164,128
baseline
▲ 0.50% · 4.625%
HK$174,115
+HK$9,987/mo
Deposit HK$3.76M · loan HK$33.87M · min. income ≈ HK$328,256/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,816
−HK$9,283/mo
▼ 0.25% · 3.875%
HK$176,424
−HK$4,675/mo
Today · 4.125%
HK$181,099
baseline
▲ 0.50% · 4.625%
HK$190,645
+HK$9,546/mo
Deposit HK$3.76M · loan HK$33.87M · min. income ≈ HK$362,198/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,599,195 · Scale 2, in force from 26 Feb 2026)