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$87,786
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,517
−HK$2,774/mo
Today · 4.125%
HK$93,291
baseline
▲ 0.50% · 4.625%
HK$98,967
+HK$5,676/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$186,582/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,661
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,280
−HK$2,657/mo
Today · 4.125%
HK$102,937
baseline
▲ 0.50% · 4.625%
HK$108,363
+HK$5,426/mo
Deposit HK$19.25M · loan HK$19.25M · min. income ≈ HK$205,874/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$1,636,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,343
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$108,620
−HK$3,329/mo
Today · 4.125%
HK$111,949
baseline
▲ 0.50% · 4.625%
HK$118,761
+HK$6,812/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$223,898/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,193
−HK$6,332/mo
▼ 0.25% · 3.875%
HK$120,336
−HK$3,189/mo
Today · 4.125%
HK$123,525
baseline
▲ 0.50% · 4.625%
HK$130,036
+HK$6,511/mo
Deposit HK$15.40M · loan HK$23.10M · min. income ≈ HK$247,050/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,636,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,900
−HK$7,707/mo
▼ 0.25% · 3.875%
HK$126,723
−HK$3,884/mo
Today · 4.125%
HK$130,607
baseline
▲ 0.50% · 4.625%
HK$138,554
+HK$7,947/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$261,214/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,725
−HK$7,387/mo
▼ 0.25% · 3.875%
HK$140,392
−HK$3,720/mo
Today · 4.125%
HK$144,112
baseline
▲ 0.50% · 4.625%
HK$151,709
+HK$7,597/mo
Deposit HK$11.55M · loan HK$26.95M · min. income ≈ HK$288,224/mo (50% DSR)
Upfront cash ≈ HK$13.19M (deposit + AVD stamp duty HK$1,636,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,015
−HK$9,909/mo
▼ 0.25% · 3.875%
HK$162,930
−HK$4,994/mo
Today · 4.125%
HK$167,924
baseline
▲ 0.50% · 4.625%
HK$178,141
+HK$10,217/mo
Deposit HK$3.85M · loan HK$34.65M · min. income ≈ HK$335,848/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,790
−HK$9,497/mo
▼ 0.25% · 3.875%
HK$180,504
−HK$4,783/mo
Today · 4.125%
HK$185,287
baseline
▲ 0.50% · 4.625%
HK$195,054
+HK$9,767/mo
Deposit HK$3.85M · loan HK$34.65M · min. income ≈ HK$370,574/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,636,177 · Scale 2, in force from 26 Feb 2026)