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$89,330
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$92,108
−HK$2,824/mo
Today · 4.125%
HK$94,932
baseline
▲ 0.50% · 4.625%
HK$100,708
+HK$5,776/mo
Deposit HK$19.59M · loan HK$19.59M · min. income ≈ HK$189,864/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$1,664,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,379
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$102,044
−HK$2,704/mo
Today · 4.125%
HK$104,748
baseline
▲ 0.50% · 4.625%
HK$110,269
+HK$5,521/mo
Deposit HK$19.59M · loan HK$19.59M · min. income ≈ HK$209,496/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$1,664,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,196
−HK$6,722/mo
▼ 0.25% · 3.875%
HK$110,530
−HK$3,388/mo
Today · 4.125%
HK$113,918
baseline
▲ 0.50% · 4.625%
HK$120,850
+HK$6,932/mo
Deposit HK$15.67M · loan HK$23.51M · min. income ≈ HK$227,836/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,664,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,254
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$122,453
−HK$3,244/mo
Today · 4.125%
HK$125,697
baseline
▲ 0.50% · 4.625%
HK$132,323
+HK$6,626/mo
Deposit HK$15.67M · loan HK$23.51M · min. income ≈ HK$251,394/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,664,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,062
−HK$7,842/mo
▼ 0.25% · 3.875%
HK$128,952
−HK$3,952/mo
Today · 4.125%
HK$132,904
baseline
▲ 0.50% · 4.625%
HK$140,991
+HK$8,087/mo
Deposit HK$11.75M · loan HK$27.42M · min. income ≈ HK$265,808/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,664,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,130
−HK$7,517/mo
▼ 0.25% · 3.875%
HK$142,861
−HK$3,786/mo
Today · 4.125%
HK$146,647
baseline
▲ 0.50% · 4.625%
HK$154,377
+HK$7,730/mo
Deposit HK$11.75M · loan HK$27.42M · min. income ≈ HK$293,294/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,664,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,794
−HK$10,083/mo
▼ 0.25% · 3.875%
HK$165,795
−HK$5,082/mo
Today · 4.125%
HK$170,877
baseline
▲ 0.50% · 4.625%
HK$181,274
+HK$10,397/mo
Deposit HK$3.92M · loan HK$35.26M · min. income ≈ HK$341,754/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,881
−HK$9,665/mo
▼ 0.25% · 3.875%
HK$183,679
−HK$4,867/mo
Today · 4.125%
HK$188,546
baseline
▲ 0.50% · 4.625%
HK$198,484
+HK$9,938/mo
Deposit HK$3.92M · loan HK$35.26M · min. income ≈ HK$377,092/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,953 · Scale 2, in force from 26 Feb 2026)