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$84,419
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,045
−HK$2,667/mo
Today · 4.125%
HK$89,712
baseline
▲ 0.50% · 4.625%
HK$95,171
+HK$5,459/mo
Deposit HK$18.51M · loan HK$18.51M · min. income ≈ HK$179,424/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,573,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,915
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,434
−HK$2,555/mo
Today · 4.125%
HK$98,989
baseline
▲ 0.50% · 4.625%
HK$104,207
+HK$5,218/mo
Deposit HK$18.51M · loan HK$18.51M · min. income ≈ HK$197,978/mo (50% DSR)
Upfront cash ≈ HK$20.08M (deposit + AVD stamp duty HK$1,573,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,302
−HK$6,353/mo
▼ 0.25% · 3.875%
HK$104,453
−HK$3,202/mo
Today · 4.125%
HK$107,655
baseline
▲ 0.50% · 4.625%
HK$114,205
+HK$6,550/mo
Deposit HK$14.81M · loan HK$22.21M · min. income ≈ HK$215,310/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,573,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,698
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$115,720
−HK$3,067/mo
Today · 4.125%
HK$118,787
baseline
▲ 0.50% · 4.625%
HK$125,048
+HK$6,261/mo
Deposit HK$14.81M · loan HK$22.21M · min. income ≈ HK$237,574/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,573,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,186
−HK$7,411/mo
▼ 0.25% · 3.875%
HK$121,862
−HK$3,735/mo
Today · 4.125%
HK$125,597
baseline
▲ 0.50% · 4.625%
HK$133,240
+HK$7,643/mo
Deposit HK$11.11M · loan HK$25.92M · min. income ≈ HK$251,194/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,573,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,481
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$135,007
−HK$3,577/mo
Today · 4.125%
HK$138,584
baseline
▲ 0.50% · 4.625%
HK$145,889
+HK$7,305/mo
Deposit HK$11.11M · loan HK$25.92M · min. income ≈ HK$277,168/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,573,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,954
−HK$9,528/mo
▼ 0.25% · 3.875%
HK$156,680
−HK$4,802/mo
Today · 4.125%
HK$161,482
baseline
▲ 0.50% · 4.625%
HK$171,308
+HK$9,826/mo
Deposit HK$3.70M · loan HK$33.32M · min. income ≈ HK$322,964/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,573,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,047
−HK$9,133/mo
▼ 0.25% · 3.875%
HK$173,581
−HK$4,599/mo
Today · 4.125%
HK$178,180
baseline
▲ 0.50% · 4.625%
HK$187,572
+HK$9,392/mo
Deposit HK$3.70M · loan HK$33.32M · min. income ≈ HK$356,360/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,573,416 · Scale 2, in force from 26 Feb 2026)