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$87,380
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$90,098
−HK$2,762/mo
Today · 4.125%
HK$92,860
baseline
▲ 0.50% · 4.625%
HK$98,510
+HK$5,650/mo
Deposit HK$19.16M · loan HK$19.16M · min. income ≈ HK$185,720/mo (50% DSR)
Upfront cash ≈ HK$20.79M (deposit + AVD stamp duty HK$1,628,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,210
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,817
−HK$2,645/mo
Today · 4.125%
HK$102,462
baseline
▲ 0.50% · 4.625%
HK$107,863
+HK$5,401/mo
Deposit HK$19.16M · loan HK$19.16M · min. income ≈ HK$204,924/mo (50% DSR)
Upfront cash ≈ HK$20.79M (deposit + AVD stamp duty HK$1,628,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,856
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$108,118
−HK$3,314/mo
Today · 4.125%
HK$111,432
baseline
▲ 0.50% · 4.625%
HK$118,212
+HK$6,780/mo
Deposit HK$15.33M · loan HK$22.99M · min. income ≈ HK$222,864/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,628,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,652
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$119,780
−HK$3,174/mo
Today · 4.125%
HK$122,954
baseline
▲ 0.50% · 4.625%
HK$129,435
+HK$6,481/mo
Deposit HK$15.33M · loan HK$22.99M · min. income ≈ HK$245,908/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,628,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,332
−HK$7,672/mo
▼ 0.25% · 3.875%
HK$126,138
−HK$3,866/mo
Today · 4.125%
HK$130,004
baseline
▲ 0.50% · 4.625%
HK$137,914
+HK$7,910/mo
Deposit HK$11.50M · loan HK$26.82M · min. income ≈ HK$260,008/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,628,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,094
−HK$7,352/mo
▼ 0.25% · 3.875%
HK$139,744
−HK$3,702/mo
Today · 4.125%
HK$143,446
baseline
▲ 0.50% · 4.625%
HK$151,008
+HK$7,562/mo
Deposit HK$11.50M · loan HK$26.82M · min. income ≈ HK$286,892/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,628,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,285
−HK$9,863/mo
▼ 0.25% · 3.875%
HK$162,177
−HK$4,971/mo
Today · 4.125%
HK$167,148
baseline
▲ 0.50% · 4.625%
HK$177,318
+HK$10,170/mo
Deposit HK$3.83M · loan HK$34.49M · min. income ≈ HK$334,296/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,977
−HK$9,454/mo
▼ 0.25% · 3.875%
HK$179,670
−HK$4,761/mo
Today · 4.125%
HK$184,431
baseline
▲ 0.50% · 4.625%
HK$194,153
+HK$9,722/mo
Deposit HK$3.83M · loan HK$34.49M · min. income ≈ HK$368,862/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,616 · Scale 2, in force from 26 Feb 2026)