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$86,988
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$89,694
−HK$2,749/mo
Today · 4.125%
HK$92,443
baseline
▲ 0.50% · 4.625%
HK$98,068
+HK$5,625/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$184,886/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,621,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,773
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$99,368
−HK$2,633/mo
Today · 4.125%
HK$102,001
baseline
▲ 0.50% · 4.625%
HK$107,378
+HK$5,377/mo
Deposit HK$19.07M · loan HK$19.07M · min. income ≈ HK$204,002/mo (50% DSR)
Upfront cash ≈ HK$20.70M (deposit + AVD stamp duty HK$1,621,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,385
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$107,632
−HK$3,299/mo
Today · 4.125%
HK$110,931
baseline
▲ 0.50% · 4.625%
HK$117,681
+HK$6,750/mo
Deposit HK$15.26M · loan HK$22.89M · min. income ≈ HK$221,862/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,621,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,128
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$119,242
−HK$3,160/mo
Today · 4.125%
HK$122,402
baseline
▲ 0.50% · 4.625%
HK$128,854
+HK$6,452/mo
Deposit HK$15.26M · loan HK$22.89M · min. income ≈ HK$244,804/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$1,621,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,783
−HK$7,637/mo
▼ 0.25% · 3.875%
HK$125,571
−HK$3,849/mo
Today · 4.125%
HK$129,420
baseline
▲ 0.50% · 4.625%
HK$137,295
+HK$7,875/mo
Deposit HK$11.44M · loan HK$26.70M · min. income ≈ HK$258,840/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,621,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,482
−HK$7,320/mo
▼ 0.25% · 3.875%
HK$139,116
−HK$3,686/mo
Today · 4.125%
HK$142,802
baseline
▲ 0.50% · 4.625%
HK$150,329
+HK$7,527/mo
Deposit HK$11.44M · loan HK$26.70M · min. income ≈ HK$285,604/mo (50% DSR)
Upfront cash ≈ HK$13.07M (deposit + AVD stamp duty HK$1,621,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,578
−HK$9,819/mo
▼ 0.25% · 3.875%
HK$161,449
−HK$4,948/mo
Today · 4.125%
HK$166,397
baseline
▲ 0.50% · 4.625%
HK$176,522
+HK$10,125/mo
Deposit HK$3.81M · loan HK$34.33M · min. income ≈ HK$332,794/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,621,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,192
−HK$9,411/mo
▼ 0.25% · 3.875%
HK$178,863
−HK$4,740/mo
Today · 4.125%
HK$183,603
baseline
▲ 0.50% · 4.625%
HK$193,281
+HK$9,678/mo
Deposit HK$3.81M · loan HK$34.33M · min. income ≈ HK$367,206/mo (50% DSR)
Upfront cash ≈ HK$5.44M (deposit + AVD stamp duty HK$1,621,302 · Scale 2, in force from 26 Feb 2026)