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$83,451
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,047
−HK$2,637/mo
Today · 4.125%
HK$88,684
baseline
▲ 0.50% · 4.625%
HK$94,080
+HK$5,396/mo
Deposit HK$18.30M · loan HK$18.30M · min. income ≈ HK$177,368/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$1,555,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,838
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,328
−HK$2,526/mo
Today · 4.125%
HK$97,854
baseline
▲ 0.50% · 4.625%
HK$103,012
+HK$5,158/mo
Deposit HK$18.30M · loan HK$18.30M · min. income ≈ HK$195,708/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$1,555,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,141
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$103,256
−HK$3,165/mo
Today · 4.125%
HK$106,421
baseline
▲ 0.50% · 4.625%
HK$112,896
+HK$6,475/mo
Deposit HK$14.64M · loan HK$21.96M · min. income ≈ HK$212,842/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,555,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,406
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$114,394
−HK$3,031/mo
Today · 4.125%
HK$117,425
baseline
▲ 0.50% · 4.625%
HK$123,615
+HK$6,190/mo
Deposit HK$14.64M · loan HK$21.96M · min. income ≈ HK$234,850/mo (50% DSR)
Upfront cash ≈ HK$16.19M (deposit + AVD stamp duty HK$1,555,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,831
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$120,465
−HK$3,693/mo
Today · 4.125%
HK$124,158
baseline
▲ 0.50% · 4.625%
HK$131,712
+HK$7,554/mo
Deposit HK$10.98M · loan HK$25.62M · min. income ≈ HK$248,316/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,555,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,974
−HK$7,022/mo
▼ 0.25% · 3.875%
HK$133,459
−HK$3,537/mo
Today · 4.125%
HK$136,996
baseline
▲ 0.50% · 4.625%
HK$144,217
+HK$7,221/mo
Deposit HK$10.98M · loan HK$25.62M · min. income ≈ HK$273,992/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,555,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,212
−HK$9,419/mo
▼ 0.25% · 3.875%
HK$154,884
−HK$4,747/mo
Today · 4.125%
HK$159,631
baseline
▲ 0.50% · 4.625%
HK$169,344
+HK$9,713/mo
Deposit HK$3.66M · loan HK$32.94M · min. income ≈ HK$319,262/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,555,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,109
−HK$9,028/mo
▼ 0.25% · 3.875%
HK$171,591
−HK$4,546/mo
Today · 4.125%
HK$176,137
baseline
▲ 0.50% · 4.625%
HK$185,422
+HK$9,285/mo
Deposit HK$3.66M · loan HK$32.94M · min. income ≈ HK$352,274/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,555,380 · Scale 2, in force from 26 Feb 2026)