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$82,211
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,768
−HK$2,598/mo
Today · 4.125%
HK$87,366
baseline
▲ 0.50% · 4.625%
HK$92,682
+HK$5,316/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$174,732/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,459
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,912
−HK$2,488/mo
Today · 4.125%
HK$96,400
baseline
▲ 0.50% · 4.625%
HK$101,482
+HK$5,082/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$192,800/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,653
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$101,722
−HK$3,118/mo
Today · 4.125%
HK$104,840
baseline
▲ 0.50% · 4.625%
HK$111,219
+HK$6,379/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$209,680/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,532,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,751
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,694
−HK$2,986/mo
Today · 4.125%
HK$115,680
baseline
▲ 0.50% · 4.625%
HK$121,778
+HK$6,098/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$231,360/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,532,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,095
−HK$7,218/mo
▼ 0.25% · 3.875%
HK$118,676
−HK$3,637/mo
Today · 4.125%
HK$122,313
baseline
▲ 0.50% · 4.625%
HK$129,755
+HK$7,442/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$244,626/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,042
−HK$6,918/mo
▼ 0.25% · 3.875%
HK$131,477
−HK$3,483/mo
Today · 4.125%
HK$134,960
baseline
▲ 0.50% · 4.625%
HK$142,074
+HK$7,114/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$269,920/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,980
−HK$9,279/mo
▼ 0.25% · 3.875%
HK$152,583
−HK$4,676/mo
Today · 4.125%
HK$157,259
baseline
▲ 0.50% · 4.625%
HK$166,828
+HK$9,569/mo
Deposit HK$3.61M · loan HK$32.45M · min. income ≈ HK$314,518/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,626
−HK$8,894/mo
▼ 0.25% · 3.875%
HK$169,041
−HK$4,479/mo
Today · 4.125%
HK$173,520
baseline
▲ 0.50% · 4.625%
HK$182,667
+HK$9,147/mo
Deposit HK$3.61M · loan HK$32.45M · min. income ≈ HK$347,040/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,270 · Scale 2, in force from 26 Feb 2026)