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$84,891
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,531
−HK$2,683/mo
Today · 4.125%
HK$90,214
baseline
▲ 0.50% · 4.625%
HK$95,703
+HK$5,489/mo
Deposit HK$18.61M · loan HK$18.61M · min. income ≈ HK$180,428/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,440
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,973
−HK$2,569/mo
Today · 4.125%
HK$99,542
baseline
▲ 0.50% · 4.625%
HK$104,789
+HK$5,247/mo
Deposit HK$18.61M · loan HK$18.61M · min. income ≈ HK$199,084/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,582,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,869
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$105,037
−HK$3,220/mo
Today · 4.125%
HK$108,257
baseline
▲ 0.50% · 4.625%
HK$114,844
+HK$6,587/mo
Deposit HK$14.89M · loan HK$22.34M · min. income ≈ HK$216,514/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,582,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,328
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$116,367
−HK$3,084/mo
Today · 4.125%
HK$119,451
baseline
▲ 0.50% · 4.625%
HK$125,747
+HK$6,296/mo
Deposit HK$14.89M · loan HK$22.34M · min. income ≈ HK$238,902/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,582,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,847
−HK$7,453/mo
▼ 0.25% · 3.875%
HK$122,544
−HK$3,756/mo
Today · 4.125%
HK$126,300
baseline
▲ 0.50% · 4.625%
HK$133,985
+HK$7,685/mo
Deposit HK$11.17M · loan HK$26.06M · min. income ≈ HK$252,600/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,582,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,216
−HK$7,143/mo
▼ 0.25% · 3.875%
HK$135,762
−HK$3,597/mo
Today · 4.125%
HK$139,359
baseline
▲ 0.50% · 4.625%
HK$146,705
+HK$7,346/mo
Deposit HK$11.17M · loan HK$26.06M · min. income ≈ HK$278,718/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,582,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,803
−HK$9,582/mo
▼ 0.25% · 3.875%
HK$157,556
−HK$4,829/mo
Today · 4.125%
HK$162,385
baseline
▲ 0.50% · 4.625%
HK$172,266
+HK$9,881/mo
Deposit HK$3.72M · loan HK$33.51M · min. income ≈ HK$324,770/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,992
−HK$9,184/mo
▼ 0.25% · 3.875%
HK$174,551
−HK$4,625/mo
Today · 4.125%
HK$179,176
baseline
▲ 0.50% · 4.625%
HK$188,621
+HK$9,445/mo
Deposit HK$3.72M · loan HK$33.51M · min. income ≈ HK$358,352/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,582,214 · Scale 2, in force from 26 Feb 2026)