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$86,736
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,434
−HK$2,742/mo
Today · 4.125%
HK$92,176
baseline
▲ 0.50% · 4.625%
HK$97,784
+HK$5,608/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$184,352/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,616,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,493
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,081
−HK$2,626/mo
Today · 4.125%
HK$101,707
baseline
▲ 0.50% · 4.625%
HK$107,068
+HK$5,361/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$203,414/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,616,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,084
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$107,321
−HK$3,290/mo
Today · 4.125%
HK$110,611
baseline
▲ 0.50% · 4.625%
HK$117,341
+HK$6,730/mo
Deposit HK$15.22M · loan HK$22.82M · min. income ≈ HK$221,222/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,792
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$118,898
−HK$3,150/mo
Today · 4.125%
HK$122,048
baseline
▲ 0.50% · 4.625%
HK$128,481
+HK$6,433/mo
Deposit HK$15.22M · loan HK$22.82M · min. income ≈ HK$244,096/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,431
−HK$7,615/mo
▼ 0.25% · 3.875%
HK$125,208
−HK$3,838/mo
Today · 4.125%
HK$129,046
baseline
▲ 0.50% · 4.625%
HK$136,898
+HK$7,852/mo
Deposit HK$11.41M · loan HK$26.63M · min. income ≈ HK$258,092/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,616,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,091
−HK$7,298/mo
▼ 0.25% · 3.875%
HK$138,714
−HK$3,675/mo
Today · 4.125%
HK$142,389
baseline
▲ 0.50% · 4.625%
HK$149,895
+HK$7,506/mo
Deposit HK$11.41M · loan HK$26.63M · min. income ≈ HK$284,778/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,616,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,126
−HK$9,790/mo
▼ 0.25% · 3.875%
HK$160,982
−HK$4,934/mo
Today · 4.125%
HK$165,916
baseline
▲ 0.50% · 4.625%
HK$176,012
+HK$10,096/mo
Deposit HK$3.80M · loan HK$34.23M · min. income ≈ HK$331,832/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,688
−HK$9,384/mo
▼ 0.25% · 3.875%
HK$178,346
−HK$4,726/mo
Today · 4.125%
HK$183,072
baseline
▲ 0.50% · 4.625%
HK$192,722
+HK$9,650/mo
Deposit HK$3.80M · loan HK$34.23M · min. income ≈ HK$366,144/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,617 · Scale 2, in force from 26 Feb 2026)