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$86,790
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$89,490
−HK$2,743/mo
Today · 4.125%
HK$92,233
baseline
▲ 0.50% · 4.625%
HK$97,845
+HK$5,612/mo
Deposit HK$19.03M · loan HK$19.03M · min. income ≈ HK$184,466/mo (50% DSR)
Upfront cash ≈ HK$20.65M (deposit + AVD stamp duty HK$1,617,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,553
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$99,143
−HK$2,627/mo
Today · 4.125%
HK$101,770
baseline
▲ 0.50% · 4.625%
HK$107,134
+HK$5,364/mo
Deposit HK$19.03M · loan HK$19.03M · min. income ≈ HK$203,540/mo (50% DSR)
Upfront cash ≈ HK$20.65M (deposit + AVD stamp duty HK$1,617,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,148
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$107,388
−HK$3,291/mo
Today · 4.125%
HK$110,679
baseline
▲ 0.50% · 4.625%
HK$117,414
+HK$6,735/mo
Deposit HK$15.22M · loan HK$22.84M · min. income ≈ HK$221,358/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,617,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,864
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$118,971
−HK$3,153/mo
Today · 4.125%
HK$122,124
baseline
▲ 0.50% · 4.625%
HK$128,561
+HK$6,437/mo
Deposit HK$15.22M · loan HK$22.84M · min. income ≈ HK$244,248/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,617,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,506
−HK$7,620/mo
▼ 0.25% · 3.875%
HK$125,286
−HK$3,840/mo
Today · 4.125%
HK$129,126
baseline
▲ 0.50% · 4.625%
HK$136,983
+HK$7,857/mo
Deposit HK$11.42M · loan HK$26.64M · min. income ≈ HK$258,252/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,617,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,175
−HK$7,303/mo
▼ 0.25% · 3.875%
HK$138,800
−HK$3,678/mo
Today · 4.125%
HK$142,478
baseline
▲ 0.50% · 4.625%
HK$149,988
+HK$7,510/mo
Deposit HK$11.42M · loan HK$26.64M · min. income ≈ HK$284,956/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,617,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,223
−HK$9,796/mo
▼ 0.25% · 3.875%
HK$161,082
−HK$4,937/mo
Today · 4.125%
HK$166,019
baseline
▲ 0.50% · 4.625%
HK$176,121
+HK$10,102/mo
Deposit HK$3.81M · loan HK$34.26M · min. income ≈ HK$332,038/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,617,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,796
−HK$9,390/mo
▼ 0.25% · 3.875%
HK$178,457
−HK$4,729/mo
Today · 4.125%
HK$183,186
baseline
▲ 0.50% · 4.625%
HK$192,842
+HK$9,656/mo
Deposit HK$3.81M · loan HK$34.26M · min. income ≈ HK$366,372/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,617,620 · Scale 2, in force from 26 Feb 2026)