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$83,336
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$85,928
−HK$2,634/mo
Today · 4.125%
HK$88,562
baseline
▲ 0.50% · 4.625%
HK$93,951
+HK$5,389/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$177,124/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,553,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,711
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$95,197
−HK$2,523/mo
Today · 4.125%
HK$97,720
baseline
▲ 0.50% · 4.625%
HK$102,871
+HK$5,151/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$195,440/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,553,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,003
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$103,114
−HK$3,161/mo
Today · 4.125%
HK$106,275
baseline
▲ 0.50% · 4.625%
HK$112,741
+HK$6,466/mo
Deposit HK$14.62M · loan HK$21.93M · min. income ≈ HK$212,550/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,553,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,253
−HK$6,011/mo
▼ 0.25% · 3.875%
HK$114,237
−HK$3,027/mo
Today · 4.125%
HK$117,264
baseline
▲ 0.50% · 4.625%
HK$123,445
+HK$6,181/mo
Deposit HK$14.62M · loan HK$21.93M · min. income ≈ HK$234,528/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,553,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,671
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$120,300
−HK$3,687/mo
Today · 4.125%
HK$123,987
baseline
▲ 0.50% · 4.625%
HK$131,531
+HK$7,544/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$247,974/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,553,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,795
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$133,276
−HK$3,531/mo
Today · 4.125%
HK$136,807
baseline
▲ 0.50% · 4.625%
HK$144,019
+HK$7,212/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$273,614/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,553,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,005
−HK$9,407/mo
▼ 0.25% · 3.875%
HK$154,671
−HK$4,741/mo
Today · 4.125%
HK$159,412
baseline
▲ 0.50% · 4.625%
HK$169,112
+HK$9,700/mo
Deposit HK$3.65M · loan HK$32.89M · min. income ≈ HK$318,824/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,553,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,879
−HK$9,016/mo
▼ 0.25% · 3.875%
HK$171,355
−HK$4,540/mo
Today · 4.125%
HK$175,895
baseline
▲ 0.50% · 4.625%
HK$185,167
+HK$9,272/mo
Deposit HK$3.65M · loan HK$32.89M · min. income ≈ HK$351,790/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,553,242 · Scale 2, in force from 26 Feb 2026)