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$88,469
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$91,221
−HK$2,796/mo
Today · 4.125%
HK$94,017
baseline
▲ 0.50% · 4.625%
HK$99,738
+HK$5,721/mo
Deposit HK$19.40M · loan HK$19.40M · min. income ≈ HK$188,034/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,648,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,421
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$101,061
−HK$2,677/mo
Today · 4.125%
HK$103,738
baseline
▲ 0.50% · 4.625%
HK$109,207
+HK$5,469/mo
Deposit HK$19.40M · loan HK$19.40M · min. income ≈ HK$207,476/mo (50% DSR)
Upfront cash ≈ HK$21.05M (deposit + AVD stamp duty HK$1,648,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,163
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$109,465
−HK$3,355/mo
Today · 4.125%
HK$112,820
baseline
▲ 0.50% · 4.625%
HK$119,685
+HK$6,865/mo
Deposit HK$15.52M · loan HK$23.28M · min. income ≈ HK$225,640/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,648,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,105
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$121,273
−HK$3,213/mo
Today · 4.125%
HK$124,486
baseline
▲ 0.50% · 4.625%
HK$131,048
+HK$6,562/mo
Deposit HK$15.52M · loan HK$23.28M · min. income ≈ HK$248,972/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$1,648,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,857
−HK$7,767/mo
▼ 0.25% · 3.875%
HK$127,709
−HK$3,915/mo
Today · 4.125%
HK$131,624
baseline
▲ 0.50% · 4.625%
HK$139,633
+HK$8,009/mo
Deposit HK$11.64M · loan HK$27.16M · min. income ≈ HK$263,248/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,648,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,789
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$141,485
−HK$3,749/mo
Today · 4.125%
HK$145,234
baseline
▲ 0.50% · 4.625%
HK$152,889
+HK$7,655/mo
Deposit HK$11.64M · loan HK$27.16M · min. income ≈ HK$290,468/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,648,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,244
−HK$9,986/mo
▼ 0.25% · 3.875%
HK$164,198
−HK$5,032/mo
Today · 4.125%
HK$169,230
baseline
▲ 0.50% · 4.625%
HK$179,528
+HK$10,298/mo
Deposit HK$3.88M · loan HK$34.92M · min. income ≈ HK$338,460/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,648,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,158
−HK$9,571/mo
▼ 0.25% · 3.875%
HK$181,909
−HK$4,820/mo
Today · 4.125%
HK$186,729
baseline
▲ 0.50% · 4.625%
HK$196,572
+HK$9,843/mo
Deposit HK$3.88M · loan HK$34.92M · min. income ≈ HK$373,458/mo (50% DSR)
Upfront cash ≈ HK$5.53M (deposit + AVD stamp duty HK$1,648,909 · Scale 2, in force from 26 Feb 2026)