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$88,099
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,839
−HK$2,785/mo
Today · 4.125%
HK$93,624
baseline
▲ 0.50% · 4.625%
HK$99,320
+HK$5,696/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$187,248/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,642,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,009
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$100,638
−HK$2,667/mo
Today · 4.125%
HK$103,305
baseline
▲ 0.50% · 4.625%
HK$108,750
+HK$5,445/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$206,610/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,642,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,719
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$109,007
−HK$3,341/mo
Today · 4.125%
HK$112,348
baseline
▲ 0.50% · 4.625%
HK$119,185
+HK$6,837/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$224,696/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,642,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,611
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$120,766
−HK$3,199/mo
Today · 4.125%
HK$123,965
baseline
▲ 0.50% · 4.625%
HK$130,500
+HK$6,535/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$247,930/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,642,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,339
−HK$7,734/mo
▼ 0.25% · 3.875%
HK$127,175
−HK$3,898/mo
Today · 4.125%
HK$131,073
baseline
▲ 0.50% · 4.625%
HK$139,049
+HK$7,976/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$262,146/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,642,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,213
−HK$7,413/mo
▼ 0.25% · 3.875%
HK$140,893
−HK$3,733/mo
Today · 4.125%
HK$144,626
baseline
▲ 0.50% · 4.625%
HK$152,250
+HK$7,624/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$289,252/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,642,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,578
−HK$9,945/mo
▼ 0.25% · 3.875%
HK$163,511
−HK$5,012/mo
Today · 4.125%
HK$168,523
baseline
▲ 0.50% · 4.625%
HK$178,777
+HK$10,254/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$337,046/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,642,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,417
−HK$9,531/mo
▼ 0.25% · 3.875%
HK$181,148
−HK$4,800/mo
Today · 4.125%
HK$185,948
baseline
▲ 0.50% · 4.625%
HK$195,750
+HK$9,802/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$371,896/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,642,014 · Scale 2, in force from 26 Feb 2026)