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$87,068
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$89,777
−HK$2,751/mo
Today · 4.125%
HK$92,528
baseline
▲ 0.50% · 4.625%
HK$98,158
+HK$5,630/mo
Deposit HK$19.09M · loan HK$19.09M · min. income ≈ HK$185,056/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,622,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,863
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$99,460
−HK$2,636/mo
Today · 4.125%
HK$102,096
baseline
▲ 0.50% · 4.625%
HK$107,477
+HK$5,381/mo
Deposit HK$19.09M · loan HK$19.09M · min. income ≈ HK$204,192/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,622,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,482
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$107,732
−HK$3,302/mo
Today · 4.125%
HK$111,034
baseline
▲ 0.50% · 4.625%
HK$117,790
+HK$6,756/mo
Deposit HK$15.27M · loan HK$22.91M · min. income ≈ HK$222,068/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,622,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,235
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$119,352
−HK$3,163/mo
Today · 4.125%
HK$122,515
baseline
▲ 0.50% · 4.625%
HK$128,973
+HK$6,458/mo
Deposit HK$15.27M · loan HK$22.91M · min. income ≈ HK$245,030/mo (50% DSR)
Upfront cash ≈ HK$16.90M (deposit + AVD stamp duty HK$1,622,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,896
−HK$7,644/mo
▼ 0.25% · 3.875%
HK$125,687
−HK$3,853/mo
Today · 4.125%
HK$129,540
baseline
▲ 0.50% · 4.625%
HK$137,422
+HK$7,882/mo
Deposit HK$11.46M · loan HK$26.73M · min. income ≈ HK$259,080/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,622,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,608
−HK$7,326/mo
▼ 0.25% · 3.875%
HK$139,245
−HK$3,689/mo
Today · 4.125%
HK$142,934
baseline
▲ 0.50% · 4.625%
HK$150,468
+HK$7,534/mo
Deposit HK$11.46M · loan HK$26.73M · min. income ≈ HK$285,868/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,622,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,723
−HK$9,828/mo
▼ 0.25% · 3.875%
HK$161,598
−HK$4,953/mo
Today · 4.125%
HK$166,551
baseline
▲ 0.50% · 4.625%
HK$176,685
+HK$10,134/mo
Deposit HK$3.82M · loan HK$34.37M · min. income ≈ HK$333,102/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,353
−HK$9,419/mo
▼ 0.25% · 3.875%
HK$179,029
−HK$4,743/mo
Today · 4.125%
HK$183,772
baseline
▲ 0.50% · 4.625%
HK$193,459
+HK$9,687/mo
Deposit HK$3.82M · loan HK$34.37M · min. income ≈ HK$367,544/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,622,802 · Scale 2, in force from 26 Feb 2026)