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$86,746
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,445
−HK$2,741/mo
Today · 4.125%
HK$92,186
baseline
▲ 0.50% · 4.625%
HK$97,796
+HK$5,610/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$184,372/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,616,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,505
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$99,093
−HK$2,625/mo
Today · 4.125%
HK$101,718
baseline
▲ 0.50% · 4.625%
HK$107,080
+HK$5,362/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$203,436/mo (50% DSR)
Upfront cash ≈ HK$20.64M (deposit + AVD stamp duty HK$1,616,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,096
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$107,334
−HK$3,289/mo
Today · 4.125%
HK$110,623
baseline
▲ 0.50% · 4.625%
HK$117,355
+HK$6,732/mo
Deposit HK$15.22M · loan HK$22.83M · min. income ≈ HK$221,246/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,805
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$118,911
−HK$3,151/mo
Today · 4.125%
HK$122,062
baseline
▲ 0.50% · 4.625%
HK$128,496
+HK$6,434/mo
Deposit HK$15.22M · loan HK$22.83M · min. income ≈ HK$244,124/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,445
−HK$7,616/mo
▼ 0.25% · 3.875%
HK$125,223
−HK$3,838/mo
Today · 4.125%
HK$129,061
baseline
▲ 0.50% · 4.625%
HK$136,914
+HK$7,853/mo
Deposit HK$11.41M · loan HK$26.63M · min. income ≈ HK$258,122/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,616,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,106
−HK$7,300/mo
▼ 0.25% · 3.875%
HK$138,730
−HK$3,676/mo
Today · 4.125%
HK$142,406
baseline
▲ 0.50% · 4.625%
HK$149,912
+HK$7,506/mo
Deposit HK$11.41M · loan HK$26.63M · min. income ≈ HK$284,812/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,616,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,144
−HK$9,791/mo
▼ 0.25% · 3.875%
HK$161,001
−HK$4,934/mo
Today · 4.125%
HK$165,935
baseline
▲ 0.50% · 4.625%
HK$176,032
+HK$10,097/mo
Deposit HK$3.80M · loan HK$34.24M · min. income ≈ HK$331,870/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,708
−HK$9,385/mo
▼ 0.25% · 3.875%
HK$178,367
−HK$4,726/mo
Today · 4.125%
HK$183,093
baseline
▲ 0.50% · 4.625%
HK$192,744
+HK$9,651/mo
Deposit HK$3.80M · loan HK$34.24M · min. income ≈ HK$366,186/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,803 · Scale 2, in force from 26 Feb 2026)