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$83,016
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$85,598
−HK$2,624/mo
Today · 4.125%
HK$88,222
baseline
▲ 0.50% · 4.625%
HK$93,590
+HK$5,368/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$176,444/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,354
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$94,831
−HK$2,513/mo
Today · 4.125%
HK$97,344
baseline
▲ 0.50% · 4.625%
HK$102,475
+HK$5,131/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$194,688/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,619
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$102,718
−HK$3,148/mo
Today · 4.125%
HK$105,866
baseline
▲ 0.50% · 4.625%
HK$112,308
+HK$6,442/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$211,732/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,825
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$113,798
−HK$3,015/mo
Today · 4.125%
HK$116,813
baseline
▲ 0.50% · 4.625%
HK$122,970
+HK$6,157/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$233,626/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,222
−HK$7,288/mo
▼ 0.25% · 3.875%
HK$119,837
−HK$3,673/mo
Today · 4.125%
HK$123,510
baseline
▲ 0.50% · 4.625%
HK$131,026
+HK$7,516/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$247,020/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,296
−HK$6,986/mo
▼ 0.25% · 3.875%
HK$132,764
−HK$3,518/mo
Today · 4.125%
HK$136,282
baseline
▲ 0.50% · 4.625%
HK$143,465
+HK$7,183/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$272,564/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,429
−HK$9,370/mo
▼ 0.25% · 3.875%
HK$154,077
−HK$4,722/mo
Today · 4.125%
HK$158,799
baseline
▲ 0.50% · 4.625%
HK$168,462
+HK$9,663/mo
Deposit HK$3.64M · loan HK$32.77M · min. income ≈ HK$317,598/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,238
−HK$8,981/mo
▼ 0.25% · 3.875%
HK$170,696
−HK$4,523/mo
Today · 4.125%
HK$175,219
baseline
▲ 0.50% · 4.625%
HK$184,455
+HK$9,236/mo
Deposit HK$3.64M · loan HK$32.77M · min. income ≈ HK$350,438/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,272 · Scale 2, in force from 26 Feb 2026)