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$80,885
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$83,401
−HK$2,556/mo
Today · 4.125%
HK$85,957
baseline
▲ 0.50% · 4.625%
HK$91,188
+HK$5,231/mo
Deposit HK$17.74M · loan HK$17.74M · min. income ≈ HK$171,914/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,507,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,984
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$92,397
−HK$2,448/mo
Today · 4.125%
HK$94,845
baseline
▲ 0.50% · 4.625%
HK$99,845
+HK$5,000/mo
Deposit HK$17.74M · loan HK$17.74M · min. income ≈ HK$189,690/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,507,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,062
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$100,081
−HK$3,068/mo
Today · 4.125%
HK$103,149
baseline
▲ 0.50% · 4.625%
HK$109,425
+HK$6,276/mo
Deposit HK$14.19M · loan HK$21.28M · min. income ≈ HK$206,298/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,507,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,981
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$110,877
−HK$2,938/mo
Today · 4.125%
HK$113,815
baseline
▲ 0.50% · 4.625%
HK$119,814
+HK$5,999/mo
Deposit HK$14.19M · loan HK$21.28M · min. income ≈ HK$227,630/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,507,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,239
−HK$7,101/mo
▼ 0.25% · 3.875%
HK$116,762
−HK$3,578/mo
Today · 4.125%
HK$120,340
baseline
▲ 0.50% · 4.625%
HK$127,663
+HK$7,323/mo
Deposit HK$10.64M · loan HK$24.83M · min. income ≈ HK$240,680/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,507,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,977
−HK$6,807/mo
▼ 0.25% · 3.875%
HK$129,356
−HK$3,428/mo
Today · 4.125%
HK$132,784
baseline
▲ 0.50% · 4.625%
HK$139,783
+HK$6,999/mo
Deposit HK$10.64M · loan HK$24.83M · min. income ≈ HK$265,568/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,507,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,593
−HK$9,130/mo
▼ 0.25% · 3.875%
HK$150,122
−HK$4,601/mo
Today · 4.125%
HK$154,723
baseline
▲ 0.50% · 4.625%
HK$164,138
+HK$9,415/mo
Deposit HK$3.55M · loan HK$31.92M · min. income ≈ HK$309,446/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,507,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,971
−HK$8,751/mo
▼ 0.25% · 3.875%
HK$166,315
−HK$4,407/mo
Today · 4.125%
HK$170,722
baseline
▲ 0.50% · 4.625%
HK$179,721
+HK$8,999/mo
Deposit HK$3.55M · loan HK$31.92M · min. income ≈ HK$341,444/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,507,559 · Scale 2, in force from 26 Feb 2026)