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$81,394
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$83,926
−HK$2,572/mo
Today · 4.125%
HK$86,498
baseline
▲ 0.50% · 4.625%
HK$91,761
+HK$5,263/mo
Deposit HK$17.85M · loan HK$17.85M · min. income ≈ HK$172,996/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,517,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,550
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,979
−HK$2,463/mo
Today · 4.125%
HK$95,442
baseline
▲ 0.50% · 4.625%
HK$100,473
+HK$5,031/mo
Deposit HK$17.85M · loan HK$17.85M · min. income ≈ HK$190,884/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,517,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,673
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$100,711
−HK$3,087/mo
Today · 4.125%
HK$103,798
baseline
▲ 0.50% · 4.625%
HK$110,114
+HK$6,316/mo
Deposit HK$14.28M · loan HK$21.42M · min. income ≈ HK$207,596/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,660
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$111,574
−HK$2,957/mo
Today · 4.125%
HK$114,531
baseline
▲ 0.50% · 4.625%
HK$120,568
+HK$6,037/mo
Deposit HK$14.28M · loan HK$21.42M · min. income ≈ HK$229,062/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,952
−HK$7,145/mo
▼ 0.25% · 3.875%
HK$117,496
−HK$3,601/mo
Today · 4.125%
HK$121,097
baseline
▲ 0.50% · 4.625%
HK$128,466
+HK$7,369/mo
Deposit HK$10.71M · loan HK$24.99M · min. income ≈ HK$242,194/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,770
−HK$6,849/mo
▼ 0.25% · 3.875%
HK$130,170
−HK$3,449/mo
Today · 4.125%
HK$133,619
baseline
▲ 0.50% · 4.625%
HK$140,662
+HK$7,043/mo
Deposit HK$10.71M · loan HK$24.99M · min. income ≈ HK$267,238/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,509
−HK$9,188/mo
▼ 0.25% · 3.875%
HK$151,067
−HK$4,630/mo
Today · 4.125%
HK$155,697
baseline
▲ 0.50% · 4.625%
HK$165,171
+HK$9,474/mo
Deposit HK$3.57M · loan HK$32.13M · min. income ≈ HK$311,394/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,990
−HK$8,806/mo
▼ 0.25% · 3.875%
HK$167,361
−HK$4,435/mo
Today · 4.125%
HK$171,796
baseline
▲ 0.50% · 4.625%
HK$180,852
+HK$9,056/mo
Deposit HK$3.57M · loan HK$32.13M · min. income ≈ HK$343,592/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,044 · Scale 2, in force from 26 Feb 2026)