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$85,988
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$88,662
−HK$2,718/mo
Today · 4.125%
HK$91,380
baseline
▲ 0.50% · 4.625%
HK$96,940
+HK$5,560/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$182,760/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,602,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,661
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,226
−HK$2,603/mo
Today · 4.125%
HK$100,829
baseline
▲ 0.50% · 4.625%
HK$106,144
+HK$5,315/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$201,658/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,602,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,185
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,395
−HK$3,261/mo
Today · 4.125%
HK$109,656
baseline
▲ 0.50% · 4.625%
HK$116,328
+HK$6,672/mo
Deposit HK$15.08M · loan HK$22.63M · min. income ≈ HK$219,312/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,602,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,793
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,871
−HK$3,124/mo
Today · 4.125%
HK$120,995
baseline
▲ 0.50% · 4.625%
HK$127,372
+HK$6,377/mo
Deposit HK$15.08M · loan HK$22.63M · min. income ≈ HK$241,990/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,602,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,383
−HK$7,549/mo
▼ 0.25% · 3.875%
HK$124,127
−HK$3,805/mo
Today · 4.125%
HK$127,932
baseline
▲ 0.50% · 4.625%
HK$135,716
+HK$7,784/mo
Deposit HK$11.31M · loan HK$26.40M · min. income ≈ HK$255,864/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,602,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,925
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$137,517
−HK$3,643/mo
Today · 4.125%
HK$141,160
baseline
▲ 0.50% · 4.625%
HK$148,601
+HK$7,441/mo
Deposit HK$11.31M · loan HK$26.40M · min. income ≈ HK$282,320/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,602,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,778
−HK$9,706/mo
▼ 0.25% · 3.875%
HK$159,592
−HK$4,892/mo
Today · 4.125%
HK$164,484
baseline
▲ 0.50% · 4.625%
HK$174,492
+HK$10,008/mo
Deposit HK$3.77M · loan HK$33.94M · min. income ≈ HK$328,968/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,189
−HK$9,303/mo
▼ 0.25% · 3.875%
HK$176,807
−HK$4,685/mo
Today · 4.125%
HK$181,492
baseline
▲ 0.50% · 4.625%
HK$191,059
+HK$9,567/mo
Deposit HK$3.77M · loan HK$33.94M · min. income ≈ HK$362,984/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,663 · Scale 2, in force from 26 Feb 2026)