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$84,587
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,218
−HK$2,674/mo
Today · 4.125%
HK$89,892
baseline
▲ 0.50% · 4.625%
HK$95,361
+HK$5,469/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$179,784/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,576,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,102
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,626
−HK$2,560/mo
Today · 4.125%
HK$99,186
baseline
▲ 0.50% · 4.625%
HK$104,415
+HK$5,229/mo
Deposit HK$18.55M · loan HK$18.55M · min. income ≈ HK$198,372/mo (50% DSR)
Upfront cash ≈ HK$20.12M (deposit + AVD stamp duty HK$1,576,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,505
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$104,662
−HK$3,208/mo
Today · 4.125%
HK$107,870
baseline
▲ 0.50% · 4.625%
HK$114,433
+HK$6,563/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$215,740/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,576,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,923
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$115,951
−HK$3,073/mo
Today · 4.125%
HK$119,024
baseline
▲ 0.50% · 4.625%
HK$125,298
+HK$6,274/mo
Deposit HK$14.84M · loan HK$22.26M · min. income ≈ HK$238,048/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,576,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,422
−HK$7,426/mo
▼ 0.25% · 3.875%
HK$122,106
−HK$3,742/mo
Today · 4.125%
HK$125,848
baseline
▲ 0.50% · 4.625%
HK$133,506
+HK$7,658/mo
Deposit HK$11.13M · loan HK$25.97M · min. income ≈ HK$251,696/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,576,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,743
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$135,277
−HK$3,584/mo
Today · 4.125%
HK$138,861
baseline
▲ 0.50% · 4.625%
HK$146,181
+HK$7,320/mo
Deposit HK$11.13M · loan HK$25.97M · min. income ≈ HK$277,722/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,576,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,257
−HK$9,548/mo
▼ 0.25% · 3.875%
HK$156,993
−HK$4,812/mo
Today · 4.125%
HK$161,805
baseline
▲ 0.50% · 4.625%
HK$171,650
+HK$9,845/mo
Deposit HK$3.71M · loan HK$33.39M · min. income ≈ HK$323,610/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,384
−HK$9,152/mo
▼ 0.25% · 3.875%
HK$173,927
−HK$4,609/mo
Today · 4.125%
HK$178,536
baseline
▲ 0.50% · 4.625%
HK$187,946
+HK$9,410/mo
Deposit HK$3.71M · loan HK$33.39M · min. income ≈ HK$357,072/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,576,558 · Scale 2, in force from 26 Feb 2026)