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$85,104
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$87,752
−HK$2,689/mo
Today · 4.125%
HK$90,441
baseline
▲ 0.50% · 4.625%
HK$95,944
+HK$5,503/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$180,882/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,678
−HK$5,115/mo
▼ 0.25% · 3.875%
HK$97,217
−HK$2,576/mo
Today · 4.125%
HK$99,793
baseline
▲ 0.50% · 4.625%
HK$105,053
+HK$5,260/mo
Deposit HK$18.66M · loan HK$18.66M · min. income ≈ HK$199,586/mo (50% DSR)
Upfront cash ≈ HK$20.25M (deposit + AVD stamp duty HK$1,586,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,125
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,302
−HK$3,228/mo
Today · 4.125%
HK$108,530
baseline
▲ 0.50% · 4.625%
HK$115,133
+HK$6,603/mo
Deposit HK$14.93M · loan HK$22.39M · min. income ≈ HK$217,060/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,613
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$116,661
−HK$3,091/mo
Today · 4.125%
HK$119,752
baseline
▲ 0.50% · 4.625%
HK$126,064
+HK$6,312/mo
Deposit HK$14.93M · loan HK$22.39M · min. income ≈ HK$239,504/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,586,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,146
−HK$7,472/mo
▼ 0.25% · 3.875%
HK$122,852
−HK$3,766/mo
Today · 4.125%
HK$126,618
baseline
▲ 0.50% · 4.625%
HK$134,322
+HK$7,704/mo
Deposit HK$11.20M · loan HK$26.13M · min. income ≈ HK$253,236/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,586,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,549
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$136,104
−HK$3,606/mo
Today · 4.125%
HK$139,710
baseline
▲ 0.50% · 4.625%
HK$147,075
+HK$7,365/mo
Deposit HK$11.20M · loan HK$26.13M · min. income ≈ HK$279,420/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,586,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,188
−HK$9,606/mo
▼ 0.25% · 3.875%
HK$157,953
−HK$4,841/mo
Today · 4.125%
HK$162,794
baseline
▲ 0.50% · 4.625%
HK$172,700
+HK$9,906/mo
Deposit HK$3.73M · loan HK$33.59M · min. income ≈ HK$325,588/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,420
−HK$9,207/mo
▼ 0.25% · 3.875%
HK$174,991
−HK$4,636/mo
Today · 4.125%
HK$179,627
baseline
▲ 0.50% · 4.625%
HK$189,096
+HK$9,469/mo
Deposit HK$3.73M · loan HK$33.59M · min. income ≈ HK$359,254/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$1,586,199 · Scale 2, in force from 26 Feb 2026)