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$88,348
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$91,096
−HK$2,792/mo
Today · 4.125%
HK$93,888
baseline
▲ 0.50% · 4.625%
HK$99,601
+HK$5,713/mo
Deposit HK$19.37M · loan HK$19.37M · min. income ≈ HK$187,776/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$1,646,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,287
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$100,923
−HK$2,674/mo
Today · 4.125%
HK$103,597
baseline
▲ 0.50% · 4.625%
HK$109,057
+HK$5,460/mo
Deposit HK$19.37M · loan HK$19.37M · min. income ≈ HK$207,194/mo (50% DSR)
Upfront cash ≈ HK$21.02M (deposit + AVD stamp duty HK$1,646,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,018
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$109,316
−HK$3,350/mo
Today · 4.125%
HK$112,666
baseline
▲ 0.50% · 4.625%
HK$119,522
+HK$6,856/mo
Deposit HK$15.50M · loan HK$23.25M · min. income ≈ HK$225,332/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,646,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,944
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$121,107
−HK$3,209/mo
Today · 4.125%
HK$124,316
baseline
▲ 0.50% · 4.625%
HK$130,869
+HK$6,553/mo
Deposit HK$15.50M · loan HK$23.25M · min. income ≈ HK$248,632/mo (50% DSR)
Upfront cash ≈ HK$17.14M (deposit + AVD stamp duty HK$1,646,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,688
−HK$7,756/mo
▼ 0.25% · 3.875%
HK$127,535
−HK$3,909/mo
Today · 4.125%
HK$131,444
baseline
▲ 0.50% · 4.625%
HK$139,442
+HK$7,998/mo
Deposit HK$11.62M · loan HK$27.12M · min. income ≈ HK$262,888/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,646,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,601
−HK$7,434/mo
▼ 0.25% · 3.875%
HK$141,292
−HK$3,743/mo
Today · 4.125%
HK$145,035
baseline
▲ 0.50% · 4.625%
HK$152,680
+HK$7,645/mo
Deposit HK$11.62M · loan HK$27.12M · min. income ≈ HK$290,070/mo (50% DSR)
Upfront cash ≈ HK$13.27M (deposit + AVD stamp duty HK$1,646,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,027
−HK$9,972/mo
▼ 0.25% · 3.875%
HK$163,974
−HK$5,025/mo
Today · 4.125%
HK$168,999
baseline
▲ 0.50% · 4.625%
HK$179,282
+HK$10,283/mo
Deposit HK$3.87M · loan HK$34.87M · min. income ≈ HK$337,998/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,646,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,916
−HK$9,558/mo
▼ 0.25% · 3.875%
HK$181,661
−HK$4,813/mo
Today · 4.125%
HK$186,474
baseline
▲ 0.50% · 4.625%
HK$196,303
+HK$9,829/mo
Deposit HK$3.87M · loan HK$34.87M · min. income ≈ HK$372,948/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$1,646,658 · Scale 2, in force from 26 Feb 2026)