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$82,338
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,900
−HK$2,602/mo
Today · 4.125%
HK$87,502
baseline
▲ 0.50% · 4.625%
HK$92,826
+HK$5,324/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$175,004/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,601
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,057
−HK$2,493/mo
Today · 4.125%
HK$96,550
baseline
▲ 0.50% · 4.625%
HK$101,639
+HK$5,089/mo
Deposit HK$18.05M · loan HK$18.05M · min. income ≈ HK$193,100/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,534,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,806
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$101,879
−HK$3,123/mo
Today · 4.125%
HK$105,002
baseline
▲ 0.50% · 4.625%
HK$111,391
+HK$6,389/mo
Deposit HK$14.44M · loan HK$21.67M · min. income ≈ HK$210,004/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,921
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,869
−HK$2,990/mo
Today · 4.125%
HK$115,859
baseline
▲ 0.50% · 4.625%
HK$121,967
+HK$6,108/mo
Deposit HK$14.44M · loan HK$21.67M · min. income ≈ HK$231,718/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,534,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,274
−HK$7,228/mo
▼ 0.25% · 3.875%
HK$118,859
−HK$3,643/mo
Today · 4.125%
HK$122,502
baseline
▲ 0.50% · 4.625%
HK$129,956
+HK$7,454/mo
Deposit HK$10.83M · loan HK$25.28M · min. income ≈ HK$245,004/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,241
−HK$6,928/mo
▼ 0.25% · 3.875%
HK$131,680
−HK$3,489/mo
Today · 4.125%
HK$135,169
baseline
▲ 0.50% · 4.625%
HK$142,294
+HK$7,125/mo
Deposit HK$10.83M · loan HK$25.28M · min. income ≈ HK$270,338/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,534,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,209
−HK$9,294/mo
▼ 0.25% · 3.875%
HK$152,819
−HK$4,684/mo
Today · 4.125%
HK$157,503
baseline
▲ 0.50% · 4.625%
HK$167,087
+HK$9,584/mo
Deposit HK$3.61M · loan HK$32.50M · min. income ≈ HK$315,006/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,534,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,881
−HK$8,908/mo
▼ 0.25% · 3.875%
HK$169,303
−HK$4,486/mo
Today · 4.125%
HK$173,789
baseline
▲ 0.50% · 4.625%
HK$182,950
+HK$9,161/mo
Deposit HK$3.61M · loan HK$32.50M · min. income ≈ HK$347,578/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$1,534,644 · Scale 2, in force from 26 Feb 2026)