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$82,886
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$85,464
−HK$2,619/mo
Today · 4.125%
HK$88,083
baseline
▲ 0.50% · 4.625%
HK$93,443
+HK$5,360/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$176,166/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,544,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,209
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$94,682
−HK$2,509/mo
Today · 4.125%
HK$97,191
baseline
▲ 0.50% · 4.625%
HK$102,314
+HK$5,123/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$194,382/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,544,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,463
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,557
−HK$3,143/mo
Today · 4.125%
HK$105,700
baseline
▲ 0.50% · 4.625%
HK$112,132
+HK$6,432/mo
Deposit HK$14.54M · loan HK$21.81M · min. income ≈ HK$211,400/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,651
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,619
−HK$3,010/mo
Today · 4.125%
HK$116,629
baseline
▲ 0.50% · 4.625%
HK$122,777
+HK$6,148/mo
Deposit HK$14.54M · loan HK$21.81M · min. income ≈ HK$233,258/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,040
−HK$7,277/mo
▼ 0.25% · 3.875%
HK$119,649
−HK$3,668/mo
Today · 4.125%
HK$123,317
baseline
▲ 0.50% · 4.625%
HK$130,820
+HK$7,503/mo
Deposit HK$10.90M · loan HK$25.44M · min. income ≈ HK$246,634/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,544,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,093
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$132,555
−HK$3,513/mo
Today · 4.125%
HK$136,068
baseline
▲ 0.50% · 4.625%
HK$143,240
+HK$7,172/mo
Deposit HK$10.90M · loan HK$25.44M · min. income ≈ HK$272,136/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,544,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,194
−HK$9,356/mo
▼ 0.25% · 3.875%
HK$153,835
−HK$4,715/mo
Today · 4.125%
HK$158,550
baseline
▲ 0.50% · 4.625%
HK$168,197
+HK$9,647/mo
Deposit HK$3.63M · loan HK$32.71M · min. income ≈ HK$317,100/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,977
−HK$8,967/mo
▼ 0.25% · 3.875%
HK$170,428
−HK$4,516/mo
Today · 4.125%
HK$174,944
baseline
▲ 0.50% · 4.625%
HK$184,166
+HK$9,222/mo
Deposit HK$3.63M · loan HK$32.71M · min. income ≈ HK$349,888/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,844 · Scale 2, in force from 26 Feb 2026)