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$87,498
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$90,220
−HK$2,765/mo
Today · 4.125%
HK$92,985
baseline
▲ 0.50% · 4.625%
HK$98,643
+HK$5,658/mo
Deposit HK$19.19M · loan HK$19.19M · min. income ≈ HK$185,970/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,630,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,341
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$99,951
−HK$2,649/mo
Today · 4.125%
HK$102,600
baseline
▲ 0.50% · 4.625%
HK$108,008
+HK$5,408/mo
Deposit HK$19.19M · loan HK$19.19M · min. income ≈ HK$205,200/mo (50% DSR)
Upfront cash ≈ HK$20.82M (deposit + AVD stamp duty HK$1,630,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,997
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$108,264
−HK$3,318/mo
Today · 4.125%
HK$111,582
baseline
▲ 0.50% · 4.625%
HK$118,371
+HK$6,789/mo
Deposit HK$15.35M · loan HK$23.02M · min. income ≈ HK$223,164/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,630,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,809
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$119,941
−HK$3,178/mo
Today · 4.125%
HK$123,119
baseline
▲ 0.50% · 4.625%
HK$129,609
+HK$6,490/mo
Deposit HK$15.35M · loan HK$23.02M · min. income ≈ HK$246,238/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$1,630,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,497
−HK$7,682/mo
▼ 0.25% · 3.875%
HK$126,307
−HK$3,872/mo
Today · 4.125%
HK$130,179
baseline
▲ 0.50% · 4.625%
HK$138,100
+HK$7,921/mo
Deposit HK$11.51M · loan HK$26.86M · min. income ≈ HK$260,358/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,277
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$139,932
−HK$3,707/mo
Today · 4.125%
HK$143,639
baseline
▲ 0.50% · 4.625%
HK$151,211
+HK$7,572/mo
Deposit HK$11.51M · loan HK$26.86M · min. income ≈ HK$287,278/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,496
−HK$9,877/mo
▼ 0.25% · 3.875%
HK$162,395
−HK$4,978/mo
Today · 4.125%
HK$167,373
baseline
▲ 0.50% · 4.625%
HK$177,557
+HK$10,184/mo
Deposit HK$3.84M · loan HK$34.53M · min. income ≈ HK$334,746/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,213
−HK$9,466/mo
▼ 0.25% · 3.875%
HK$179,912
−HK$4,767/mo
Today · 4.125%
HK$184,679
baseline
▲ 0.50% · 4.625%
HK$194,414
+HK$9,735/mo
Deposit HK$3.84M · loan HK$34.53M · min. income ≈ HK$369,358/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,809 · Scale 2, in force from 26 Feb 2026)