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$86,701
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,397
−HK$2,740/mo
Today · 4.125%
HK$92,137
baseline
▲ 0.50% · 4.625%
HK$97,744
+HK$5,607/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$184,274/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,615,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,454
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,040
−HK$2,625/mo
Today · 4.125%
HK$101,665
baseline
▲ 0.50% · 4.625%
HK$107,023
+HK$5,358/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$203,330/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,615,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,041
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$107,277
−HK$3,288/mo
Today · 4.125%
HK$110,565
baseline
▲ 0.50% · 4.625%
HK$117,293
+HK$6,728/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$221,130/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,744
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$118,848
−HK$3,150/mo
Today · 4.125%
HK$121,998
baseline
▲ 0.50% · 4.625%
HK$128,428
+HK$6,430/mo
Deposit HK$15.21M · loan HK$22.81M · min. income ≈ HK$243,996/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$1,615,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,381
−HK$7,611/mo
▼ 0.25% · 3.875%
HK$125,156
−HK$3,836/mo
Today · 4.125%
HK$128,992
baseline
▲ 0.50% · 4.625%
HK$136,841
+HK$7,849/mo
Deposit HK$11.41M · loan HK$26.62M · min. income ≈ HK$257,984/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,035
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$138,657
−HK$3,673/mo
Today · 4.125%
HK$142,330
baseline
▲ 0.50% · 4.625%
HK$149,833
+HK$7,503/mo
Deposit HK$11.41M · loan HK$26.62M · min. income ≈ HK$284,660/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,615,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,061
−HK$9,786/mo
▼ 0.25% · 3.875%
HK$160,915
−HK$4,932/mo
Today · 4.125%
HK$165,847
baseline
▲ 0.50% · 4.625%
HK$175,939
+HK$10,092/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$331,694/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,616
−HK$9,380/mo
▼ 0.25% · 3.875%
HK$178,273
−HK$4,723/mo
Today · 4.125%
HK$182,996
baseline
▲ 0.50% · 4.625%
HK$192,642
+HK$9,646/mo
Deposit HK$3.80M · loan HK$34.22M · min. income ≈ HK$365,992/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,615,948 · Scale 2, in force from 26 Feb 2026)