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$87,867
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$90,600
−HK$2,777/mo
Today · 4.125%
HK$93,377
baseline
▲ 0.50% · 4.625%
HK$99,059
+HK$5,682/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$186,754/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,637,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,751
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,373
−HK$2,660/mo
Today · 4.125%
HK$103,033
baseline
▲ 0.50% · 4.625%
HK$108,464
+HK$5,431/mo
Deposit HK$19.27M · loan HK$19.27M · min. income ≈ HK$206,066/mo (50% DSR)
Upfront cash ≈ HK$20.90M (deposit + AVD stamp duty HK$1,637,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,441
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,721
−HK$3,332/mo
Today · 4.125%
HK$112,053
baseline
▲ 0.50% · 4.625%
HK$118,871
+HK$6,818/mo
Deposit HK$15.41M · loan HK$23.12M · min. income ≈ HK$224,106/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,302
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$120,448
−HK$3,191/mo
Today · 4.125%
HK$123,639
baseline
▲ 0.50% · 4.625%
HK$130,156
+HK$6,517/mo
Deposit HK$15.41M · loan HK$23.12M · min. income ≈ HK$247,278/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$1,637,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,014
−HK$7,714/mo
▼ 0.25% · 3.875%
HK$126,841
−HK$3,887/mo
Today · 4.125%
HK$130,728
baseline
▲ 0.50% · 4.625%
HK$138,683
+HK$7,955/mo
Deposit HK$11.56M · loan HK$26.97M · min. income ≈ HK$261,456/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,852
−HK$7,394/mo
▼ 0.25% · 3.875%
HK$140,522
−HK$3,724/mo
Today · 4.125%
HK$144,246
baseline
▲ 0.50% · 4.625%
HK$151,849
+HK$7,603/mo
Deposit HK$11.56M · loan HK$26.97M · min. income ≈ HK$288,492/mo (50% DSR)
Upfront cash ≈ HK$13.20M (deposit + AVD stamp duty HK$1,637,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,161
−HK$9,918/mo
▼ 0.25% · 3.875%
HK$163,081
−HK$4,998/mo
Today · 4.125%
HK$168,079
baseline
▲ 0.50% · 4.625%
HK$178,306
+HK$10,227/mo
Deposit HK$3.85M · loan HK$34.68M · min. income ≈ HK$336,158/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,953
−HK$9,506/mo
▼ 0.25% · 3.875%
HK$180,672
−HK$4,787/mo
Today · 4.125%
HK$185,459
baseline
▲ 0.50% · 4.625%
HK$195,235
+HK$9,776/mo
Deposit HK$3.85M · loan HK$34.68M · min. income ≈ HK$370,918/mo (50% DSR)
Upfront cash ≈ HK$5.49M (deposit + AVD stamp duty HK$1,637,693 · Scale 2, in force from 26 Feb 2026)