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$79,879
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$82,363
−HK$2,525/mo
Today · 4.125%
HK$84,888
baseline
▲ 0.50% · 4.625%
HK$90,053
+HK$5,165/mo
Deposit HK$17.52M · loan HK$17.52M · min. income ≈ HK$169,776/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,488,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,864
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$91,248
−HK$2,417/mo
Today · 4.125%
HK$93,665
baseline
▲ 0.50% · 4.625%
HK$98,603
+HK$4,938/mo
Deposit HK$17.52M · loan HK$17.52M · min. income ≈ HK$187,330/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$1,488,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,854
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$98,836
−HK$3,029/mo
Today · 4.125%
HK$101,865
baseline
▲ 0.50% · 4.625%
HK$108,064
+HK$6,199/mo
Deposit HK$14.01M · loan HK$21.02M · min. income ≈ HK$203,730/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,488,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,637
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$109,497
−HK$2,901/mo
Today · 4.125%
HK$112,398
baseline
▲ 0.50% · 4.625%
HK$118,323
+HK$5,925/mo
Deposit HK$14.01M · loan HK$21.02M · min. income ≈ HK$224,796/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,488,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,830
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$115,309
−HK$3,534/mo
Today · 4.125%
HK$118,843
baseline
▲ 0.50% · 4.625%
HK$126,074
+HK$7,231/mo
Deposit HK$10.51M · loan HK$24.52M · min. income ≈ HK$237,686/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,488,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,410
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$127,747
−HK$3,384/mo
Today · 4.125%
HK$131,131
baseline
▲ 0.50% · 4.625%
HK$138,044
+HK$6,913/mo
Deposit HK$10.51M · loan HK$24.52M · min. income ≈ HK$262,262/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,488,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,782
−HK$9,016/mo
▼ 0.25% · 3.875%
HK$148,254
−HK$4,544/mo
Today · 4.125%
HK$152,798
baseline
▲ 0.50% · 4.625%
HK$162,095
+HK$9,297/mo
Deposit HK$3.50M · loan HK$31.53M · min. income ≈ HK$305,596/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,488,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,956
−HK$8,642/mo
▼ 0.25% · 3.875%
HK$164,246
−HK$4,352/mo
Today · 4.125%
HK$168,598
baseline
▲ 0.50% · 4.625%
HK$177,485
+HK$8,887/mo
Deposit HK$3.50M · loan HK$31.53M · min. income ≈ HK$337,196/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,488,800 · Scale 2, in force from 26 Feb 2026)