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$88,206
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$90,949
−HK$2,788/mo
Today · 4.125%
HK$93,737
baseline
▲ 0.50% · 4.625%
HK$99,441
+HK$5,704/mo
Deposit HK$19.34M · loan HK$19.34M · min. income ≈ HK$187,474/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$1,644,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,128
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$100,760
−HK$2,669/mo
Today · 4.125%
HK$103,429
baseline
▲ 0.50% · 4.625%
HK$108,881
+HK$5,452/mo
Deposit HK$19.34M · loan HK$19.34M · min. income ≈ HK$206,858/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$1,644,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,847
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$109,139
−HK$3,345/mo
Today · 4.125%
HK$112,484
baseline
▲ 0.50% · 4.625%
HK$119,329
+HK$6,845/mo
Deposit HK$15.47M · loan HK$23.21M · min. income ≈ HK$224,968/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,644,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,754
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$120,912
−HK$3,203/mo
Today · 4.125%
HK$124,115
baseline
▲ 0.50% · 4.625%
HK$130,658
+HK$6,543/mo
Deposit HK$15.47M · loan HK$23.21M · min. income ≈ HK$248,230/mo (50% DSR)
Upfront cash ≈ HK$17.12M (deposit + AVD stamp duty HK$1,644,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,488
−HK$7,744/mo
▼ 0.25% · 3.875%
HK$127,329
−HK$3,903/mo
Today · 4.125%
HK$131,232
baseline
▲ 0.50% · 4.625%
HK$139,217
+HK$7,985/mo
Deposit HK$11.60M · loan HK$27.08M · min. income ≈ HK$262,464/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,644,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,379
−HK$7,422/mo
▼ 0.25% · 3.875%
HK$141,064
−HK$3,737/mo
Today · 4.125%
HK$144,801
baseline
▲ 0.50% · 4.625%
HK$152,434
+HK$7,633/mo
Deposit HK$11.60M · loan HK$27.08M · min. income ≈ HK$289,602/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,644,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,770
−HK$9,957/mo
▼ 0.25% · 3.875%
HK$163,709
−HK$5,018/mo
Today · 4.125%
HK$168,727
baseline
▲ 0.50% · 4.625%
HK$178,993
+HK$10,266/mo
Deposit HK$3.87M · loan HK$34.81M · min. income ≈ HK$337,454/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,644,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,630
−HK$9,543/mo
▼ 0.25% · 3.875%
HK$181,367
−HK$4,806/mo
Today · 4.125%
HK$186,173
baseline
▲ 0.50% · 4.625%
HK$195,987
+HK$9,814/mo
Deposit HK$3.87M · loan HK$34.81M · min. income ≈ HK$372,346/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,644,000 · Scale 2, in force from 26 Feb 2026)