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$88,042
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$90,780
−HK$2,783/mo
Today · 4.125%
HK$93,563
baseline
▲ 0.50% · 4.625%
HK$99,256
+HK$5,693/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$187,126/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$1,640,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,945
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$100,572
−HK$2,665/mo
Today · 4.125%
HK$103,237
baseline
▲ 0.50% · 4.625%
HK$108,679
+HK$5,442/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$206,474/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$1,640,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,650
−HK$6,625/mo
▼ 0.25% · 3.875%
HK$108,936
−HK$3,339/mo
Today · 4.125%
HK$112,275
baseline
▲ 0.50% · 4.625%
HK$119,107
+HK$6,832/mo
Deposit HK$15.44M · loan HK$23.17M · min. income ≈ HK$224,550/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,640,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,534
−HK$6,350/mo
▼ 0.25% · 3.875%
HK$120,687
−HK$3,197/mo
Today · 4.125%
HK$123,884
baseline
▲ 0.50% · 4.625%
HK$130,415
+HK$6,531/mo
Deposit HK$15.44M · loan HK$23.17M · min. income ≈ HK$247,768/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,640,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,258
−HK$7,730/mo
▼ 0.25% · 3.875%
HK$127,092
−HK$3,896/mo
Today · 4.125%
HK$130,988
baseline
▲ 0.50% · 4.625%
HK$138,958
+HK$7,970/mo
Deposit HK$11.58M · loan HK$27.03M · min. income ≈ HK$261,976/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,124
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$140,801
−HK$3,731/mo
Today · 4.125%
HK$144,532
baseline
▲ 0.50% · 4.625%
HK$152,150
+HK$7,618/mo
Deposit HK$11.58M · loan HK$27.03M · min. income ≈ HK$289,064/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,475
−HK$9,938/mo
▼ 0.25% · 3.875%
HK$163,404
−HK$5,009/mo
Today · 4.125%
HK$168,413
baseline
▲ 0.50% · 4.625%
HK$178,660
+HK$10,247/mo
Deposit HK$3.86M · loan HK$34.75M · min. income ≈ HK$336,826/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,302
−HK$9,525/mo
▼ 0.25% · 3.875%
HK$181,030
−HK$4,797/mo
Today · 4.125%
HK$185,827
baseline
▲ 0.50% · 4.625%
HK$195,622
+HK$9,795/mo
Deposit HK$3.86M · loan HK$34.75M · min. income ≈ HK$371,654/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,942 · Scale 2, in force from 26 Feb 2026)