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$86,112
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,790
−HK$2,722/mo
Today · 4.125%
HK$91,512
baseline
▲ 0.50% · 4.625%
HK$97,080
+HK$5,568/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$183,024/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,604,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,798
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,368
−HK$2,606/mo
Today · 4.125%
HK$100,974
baseline
▲ 0.50% · 4.625%
HK$106,297
+HK$5,323/mo
Deposit HK$18.88M · loan HK$18.88M · min. income ≈ HK$201,948/mo (50% DSR)
Upfront cash ≈ HK$20.49M (deposit + AVD stamp duty HK$1,604,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,334
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$106,548
−HK$3,266/mo
Today · 4.125%
HK$109,814
baseline
▲ 0.50% · 4.625%
HK$116,496
+HK$6,682/mo
Deposit HK$15.11M · loan HK$22.66M · min. income ≈ HK$219,628/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,604,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,958
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$118,041
−HK$3,128/mo
Today · 4.125%
HK$121,169
baseline
▲ 0.50% · 4.625%
HK$127,556
+HK$6,387/mo
Deposit HK$15.11M · loan HK$22.66M · min. income ≈ HK$242,338/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,604,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,556
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$124,306
−HK$3,810/mo
Today · 4.125%
HK$128,116
baseline
▲ 0.50% · 4.625%
HK$135,912
+HK$7,796/mo
Deposit HK$11.33M · loan HK$26.43M · min. income ≈ HK$256,232/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,118
−HK$7,246/mo
▼ 0.25% · 3.875%
HK$137,715
−HK$3,649/mo
Today · 4.125%
HK$141,364
baseline
▲ 0.50% · 4.625%
HK$148,815
+HK$7,451/mo
Deposit HK$11.33M · loan HK$26.43M · min. income ≈ HK$282,728/mo (50% DSR)
Upfront cash ≈ HK$12.93M (deposit + AVD stamp duty HK$1,604,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,001
−HK$9,720/mo
▼ 0.25% · 3.875%
HK$159,822
−HK$4,899/mo
Today · 4.125%
HK$164,721
baseline
▲ 0.50% · 4.625%
HK$174,744
+HK$10,023/mo
Deposit HK$3.78M · loan HK$33.99M · min. income ≈ HK$329,442/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,437
−HK$9,316/mo
▼ 0.25% · 3.875%
HK$177,062
−HK$4,691/mo
Today · 4.125%
HK$181,753
baseline
▲ 0.50% · 4.625%
HK$191,334
+HK$9,581/mo
Deposit HK$3.78M · loan HK$33.99M · min. income ≈ HK$363,506/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,604,972 · Scale 2, in force from 26 Feb 2026)