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$85,118
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$87,766
−HK$2,690/mo
Today · 4.125%
HK$90,456
baseline
▲ 0.50% · 4.625%
HK$95,960
+HK$5,504/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$180,912/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,693
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$97,233
−HK$2,576/mo
Today · 4.125%
HK$99,809
baseline
▲ 0.50% · 4.625%
HK$105,071
+HK$5,262/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$199,618/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,142
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,319
−HK$3,228/mo
Today · 4.125%
HK$108,547
baseline
▲ 0.50% · 4.625%
HK$115,152
+HK$6,605/mo
Deposit HK$14.93M · loan HK$22.40M · min. income ≈ HK$217,094/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,632
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,680
−HK$3,091/mo
Today · 4.125%
HK$119,771
baseline
▲ 0.50% · 4.625%
HK$126,085
+HK$6,314/mo
Deposit HK$14.93M · loan HK$22.40M · min. income ≈ HK$239,542/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,166
−HK$7,473/mo
▼ 0.25% · 3.875%
HK$122,873
−HK$3,766/mo
Today · 4.125%
HK$126,639
baseline
▲ 0.50% · 4.625%
HK$134,344
+HK$7,705/mo
Deposit HK$11.20M · loan HK$26.13M · min. income ≈ HK$253,278/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,586,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,571
−HK$7,162/mo
▼ 0.25% · 3.875%
HK$136,126
−HK$3,607/mo
Today · 4.125%
HK$139,733
baseline
▲ 0.50% · 4.625%
HK$147,099
+HK$7,366/mo
Deposit HK$11.20M · loan HK$26.13M · min. income ≈ HK$279,466/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,586,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,213
−HK$9,608/mo
▼ 0.25% · 3.875%
HK$157,979
−HK$4,842/mo
Today · 4.125%
HK$162,821
baseline
▲ 0.50% · 4.625%
HK$172,728
+HK$9,907/mo
Deposit HK$3.73M · loan HK$33.60M · min. income ≈ HK$325,642/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,448
−HK$9,209/mo
▼ 0.25% · 3.875%
HK$175,020
−HK$4,637/mo
Today · 4.125%
HK$179,657
baseline
▲ 0.50% · 4.625%
HK$189,127
+HK$9,470/mo
Deposit HK$3.73M · loan HK$33.60M · min. income ≈ HK$359,314/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,460 · Scale 2, in force from 26 Feb 2026)