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$87,215
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$89,928
−HK$2,756/mo
Today · 4.125%
HK$92,684
baseline
▲ 0.50% · 4.625%
HK$98,324
+HK$5,640/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$185,368/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$1,625,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,026
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$99,628
−HK$2,640/mo
Today · 4.125%
HK$102,268
baseline
▲ 0.50% · 4.625%
HK$107,659
+HK$5,391/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$204,536/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$1,625,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,658
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$107,914
−HK$3,307/mo
Today · 4.125%
HK$111,221
baseline
▲ 0.50% · 4.625%
HK$117,989
+HK$6,768/mo
Deposit HK$15.30M · loan HK$22.95M · min. income ≈ HK$222,442/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,625,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,431
−HK$6,291/mo
▼ 0.25% · 3.875%
HK$119,554
−HK$3,168/mo
Today · 4.125%
HK$122,722
baseline
▲ 0.50% · 4.625%
HK$129,191
+HK$6,469/mo
Deposit HK$15.30M · loan HK$22.95M · min. income ≈ HK$245,444/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,625,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,101
−HK$7,657/mo
▼ 0.25% · 3.875%
HK$125,899
−HK$3,859/mo
Today · 4.125%
HK$129,758
baseline
▲ 0.50% · 4.625%
HK$137,654
+HK$7,896/mo
Deposit HK$11.47M · loan HK$26.77M · min. income ≈ HK$259,516/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,625,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,837
−HK$7,338/mo
▼ 0.25% · 3.875%
HK$139,480
−HK$3,695/mo
Today · 4.125%
HK$143,175
baseline
▲ 0.50% · 4.625%
HK$150,722
+HK$7,547/mo
Deposit HK$11.47M · loan HK$26.77M · min. income ≈ HK$286,350/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,625,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,988
−HK$9,844/mo
▼ 0.25% · 3.875%
HK$161,871
−HK$4,961/mo
Today · 4.125%
HK$166,832
baseline
▲ 0.50% · 4.625%
HK$176,983
+HK$10,151/mo
Deposit HK$3.82M · loan HK$34.42M · min. income ≈ HK$333,664/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,625,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,647
−HK$9,436/mo
▼ 0.25% · 3.875%
HK$179,331
−HK$4,752/mo
Today · 4.125%
HK$184,083
baseline
▲ 0.50% · 4.625%
HK$193,786
+HK$9,703/mo
Deposit HK$3.82M · loan HK$34.42M · min. income ≈ HK$368,166/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,625,542 · Scale 2, in force from 26 Feb 2026)