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$86,725
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,423
−HK$2,740/mo
Today · 4.125%
HK$92,163
baseline
▲ 0.50% · 4.625%
HK$97,771
+HK$5,608/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$184,326/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,616,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,481
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$99,068
−HK$2,625/mo
Today · 4.125%
HK$101,693
baseline
▲ 0.50% · 4.625%
HK$107,053
+HK$5,360/mo
Deposit HK$19.02M · loan HK$19.02M · min. income ≈ HK$203,386/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,616,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,070
−HK$6,526/mo
▼ 0.25% · 3.875%
HK$107,307
−HK$3,289/mo
Today · 4.125%
HK$110,596
baseline
▲ 0.50% · 4.625%
HK$117,325
+HK$6,729/mo
Deposit HK$15.21M · loan HK$22.82M · min. income ≈ HK$221,192/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,777
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$118,882
−HK$3,150/mo
Today · 4.125%
HK$122,032
baseline
▲ 0.50% · 4.625%
HK$128,464
+HK$6,432/mo
Deposit HK$15.21M · loan HK$22.82M · min. income ≈ HK$244,064/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,415
−HK$7,614/mo
▼ 0.25% · 3.875%
HK$125,192
−HK$3,837/mo
Today · 4.125%
HK$129,029
baseline
▲ 0.50% · 4.625%
HK$136,880
+HK$7,851/mo
Deposit HK$11.41M · loan HK$26.62M · min. income ≈ HK$258,058/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,616,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,073
−HK$7,297/mo
▼ 0.25% · 3.875%
HK$138,695
−HK$3,675/mo
Today · 4.125%
HK$142,370
baseline
▲ 0.50% · 4.625%
HK$149,875
+HK$7,505/mo
Deposit HK$11.41M · loan HK$26.62M · min. income ≈ HK$284,740/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,616,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,105
−HK$9,789/mo
▼ 0.25% · 3.875%
HK$160,961
−HK$4,933/mo
Today · 4.125%
HK$165,894
baseline
▲ 0.50% · 4.625%
HK$175,988
+HK$10,094/mo
Deposit HK$3.80M · loan HK$34.23M · min. income ≈ HK$331,788/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,665
−HK$9,383/mo
▼ 0.25% · 3.875%
HK$178,323
−HK$4,725/mo
Today · 4.125%
HK$183,048
baseline
▲ 0.50% · 4.625%
HK$192,696
+HK$9,648/mo
Deposit HK$3.80M · loan HK$34.23M · min. income ≈ HK$366,096/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,401 · Scale 2, in force from 26 Feb 2026)