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$85,339
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$87,994
−HK$2,697/mo
Today · 4.125%
HK$90,691
baseline
▲ 0.50% · 4.625%
HK$96,209
+HK$5,518/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$181,382/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,939
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,485
−HK$2,583/mo
Today · 4.125%
HK$100,068
baseline
▲ 0.50% · 4.625%
HK$105,343
+HK$5,275/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$200,136/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,407
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$105,592
−HK$3,237/mo
Today · 4.125%
HK$108,829
baseline
▲ 0.50% · 4.625%
HK$115,451
+HK$6,622/mo
Deposit HK$14.97M · loan HK$22.46M · min. income ≈ HK$217,658/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,927
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,982
−HK$3,100/mo
Today · 4.125%
HK$120,082
baseline
▲ 0.50% · 4.625%
HK$126,411
+HK$6,329/mo
Deposit HK$14.97M · loan HK$22.46M · min. income ≈ HK$240,164/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,475
−HK$7,492/mo
▼ 0.25% · 3.875%
HK$123,191
−HK$3,776/mo
Today · 4.125%
HK$126,967
baseline
▲ 0.50% · 4.625%
HK$134,692
+HK$7,725/mo
Deposit HK$11.23M · loan HK$26.20M · min. income ≈ HK$253,934/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,914
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$136,479
−HK$3,616/mo
Today · 4.125%
HK$140,095
baseline
▲ 0.50% · 4.625%
HK$147,480
+HK$7,385/mo
Deposit HK$11.23M · loan HK$26.20M · min. income ≈ HK$280,190/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,610
−HK$9,633/mo
▼ 0.25% · 3.875%
HK$158,389
−HK$4,854/mo
Today · 4.125%
HK$163,243
baseline
▲ 0.50% · 4.625%
HK$173,176
+HK$9,933/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$326,486/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,890
−HK$9,233/mo
▼ 0.25% · 3.875%
HK$175,473
−HK$4,650/mo
Today · 4.125%
HK$180,123
baseline
▲ 0.50% · 4.625%
HK$189,617
+HK$9,494/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$360,246/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,572 · Scale 2, in force from 26 Feb 2026)