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$83,926
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,536
−HK$2,653/mo
Today · 4.125%
HK$89,189
baseline
▲ 0.50% · 4.625%
HK$94,615
+HK$5,426/mo
Deposit HK$18.40M · loan HK$18.40M · min. income ≈ HK$178,378/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,366
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,871
−HK$2,540/mo
Today · 4.125%
HK$98,411
baseline
▲ 0.50% · 4.625%
HK$103,598
+HK$5,187/mo
Deposit HK$18.40M · loan HK$18.40M · min. income ≈ HK$196,822/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,711
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$103,844
−HK$3,182/mo
Today · 4.125%
HK$107,026
baseline
▲ 0.50% · 4.625%
HK$113,539
+HK$6,513/mo
Deposit HK$14.72M · loan HK$22.08M · min. income ≈ HK$214,052/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,564,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,040
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$115,045
−HK$3,048/mo
Today · 4.125%
HK$118,093
baseline
▲ 0.50% · 4.625%
HK$124,318
+HK$6,225/mo
Deposit HK$14.72M · loan HK$22.08M · min. income ≈ HK$236,186/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,564,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,496
−HK$7,368/mo
▼ 0.25% · 3.875%
HK$121,151
−HK$3,713/mo
Today · 4.125%
HK$124,864
baseline
▲ 0.50% · 4.625%
HK$132,462
+HK$7,598/mo
Deposit HK$11.04M · loan HK$25.76M · min. income ≈ HK$249,728/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,564,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,713
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$134,219
−HK$3,556/mo
Today · 4.125%
HK$137,775
baseline
▲ 0.50% · 4.625%
HK$145,037
+HK$7,262/mo
Deposit HK$11.04M · loan HK$25.76M · min. income ≈ HK$275,550/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,564,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,066
−HK$9,473/mo
▼ 0.25% · 3.875%
HK$155,765
−HK$4,774/mo
Today · 4.125%
HK$160,539
baseline
▲ 0.50% · 4.625%
HK$170,308
+HK$9,769/mo
Deposit HK$3.68M · loan HK$33.12M · min. income ≈ HK$321,078/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,564,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,060
−HK$9,079/mo
▼ 0.25% · 3.875%
HK$172,567
−HK$4,572/mo
Today · 4.125%
HK$177,139
baseline
▲ 0.50% · 4.625%
HK$186,477
+HK$9,338/mo
Deposit HK$3.68M · loan HK$33.12M · min. income ≈ HK$354,278/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,564,229 · Scale 2, in force from 26 Feb 2026)