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$86,238
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$88,921
−HK$2,725/mo
Today · 4.125%
HK$91,646
baseline
▲ 0.50% · 4.625%
HK$97,223
+HK$5,577/mo
Deposit HK$18.91M · loan HK$18.91M · min. income ≈ HK$183,292/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,607,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,939
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$98,512
−HK$2,610/mo
Today · 4.125%
HK$101,122
baseline
▲ 0.50% · 4.625%
HK$106,453
+HK$5,331/mo
Deposit HK$18.91M · loan HK$18.91M · min. income ≈ HK$202,244/mo (50% DSR)
Upfront cash ≈ HK$20.52M (deposit + AVD stamp duty HK$1,607,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,486
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$106,705
−HK$3,270/mo
Today · 4.125%
HK$109,975
baseline
▲ 0.50% · 4.625%
HK$116,667
+HK$6,692/mo
Deposit HK$15.13M · loan HK$22.69M · min. income ≈ HK$219,950/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,607,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,127
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$118,215
−HK$3,132/mo
Today · 4.125%
HK$121,347
baseline
▲ 0.50% · 4.625%
HK$127,743
+HK$6,396/mo
Deposit HK$15.13M · loan HK$22.69M · min. income ≈ HK$242,694/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,607,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,734
−HK$7,571/mo
▼ 0.25% · 3.875%
HK$124,489
−HK$3,816/mo
Today · 4.125%
HK$128,305
baseline
▲ 0.50% · 4.625%
HK$136,112
+HK$7,807/mo
Deposit HK$11.35M · loan HK$26.47M · min. income ≈ HK$256,610/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,607,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,315
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$137,917
−HK$3,654/mo
Today · 4.125%
HK$141,571
baseline
▲ 0.50% · 4.625%
HK$149,034
+HK$7,463/mo
Deposit HK$11.35M · loan HK$26.47M · min. income ≈ HK$283,142/mo (50% DSR)
Upfront cash ≈ HK$12.95M (deposit + AVD stamp duty HK$1,607,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,229
−HK$9,734/mo
▼ 0.25% · 3.875%
HK$160,057
−HK$4,906/mo
Today · 4.125%
HK$164,963
baseline
▲ 0.50% · 4.625%
HK$175,001
+HK$10,038/mo
Deposit HK$3.78M · loan HK$34.04M · min. income ≈ HK$329,926/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,691
−HK$9,329/mo
▼ 0.25% · 3.875%
HK$177,322
−HK$4,698/mo
Today · 4.125%
HK$182,020
baseline
▲ 0.50% · 4.625%
HK$191,615
+HK$9,595/mo
Deposit HK$3.78M · loan HK$34.04M · min. income ≈ HK$364,040/mo (50% DSR)
Upfront cash ≈ HK$5.39M (deposit + AVD stamp duty HK$1,607,331 · Scale 2, in force from 26 Feb 2026)