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$87,377
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$90,095
−HK$2,762/mo
Today · 4.125%
HK$92,857
baseline
▲ 0.50% · 4.625%
HK$98,507
+HK$5,650/mo
Deposit HK$19.16M · loan HK$19.16M · min. income ≈ HK$185,714/mo (50% DSR)
Upfront cash ≈ HK$20.79M (deposit + AVD stamp duty HK$1,628,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,206
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,813
−HK$2,645/mo
Today · 4.125%
HK$102,458
baseline
▲ 0.50% · 4.625%
HK$107,859
+HK$5,401/mo
Deposit HK$19.16M · loan HK$19.16M · min. income ≈ HK$204,916/mo (50% DSR)
Upfront cash ≈ HK$20.79M (deposit + AVD stamp duty HK$1,628,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,853
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$108,114
−HK$3,314/mo
Today · 4.125%
HK$111,428
baseline
▲ 0.50% · 4.625%
HK$118,208
+HK$6,780/mo
Deposit HK$15.33M · loan HK$22.99M · min. income ≈ HK$222,856/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,628,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,648
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$119,776
−HK$3,174/mo
Today · 4.125%
HK$122,950
baseline
▲ 0.50% · 4.625%
HK$129,431
+HK$6,481/mo
Deposit HK$15.33M · loan HK$22.99M · min. income ≈ HK$245,900/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$1,628,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,328
−HK$7,671/mo
▼ 0.25% · 3.875%
HK$126,133
−HK$3,866/mo
Today · 4.125%
HK$129,999
baseline
▲ 0.50% · 4.625%
HK$137,910
+HK$7,911/mo
Deposit HK$11.50M · loan HK$26.82M · min. income ≈ HK$259,998/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,628,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,089
−HK$7,352/mo
▼ 0.25% · 3.875%
HK$139,739
−HK$3,702/mo
Today · 4.125%
HK$143,441
baseline
▲ 0.50% · 4.625%
HK$151,002
+HK$7,561/mo
Deposit HK$11.50M · loan HK$26.82M · min. income ≈ HK$286,882/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,628,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,279
−HK$9,863/mo
▼ 0.25% · 3.875%
HK$162,172
−HK$4,970/mo
Today · 4.125%
HK$167,142
baseline
▲ 0.50% · 4.625%
HK$177,312
+HK$10,170/mo
Deposit HK$3.83M · loan HK$34.49M · min. income ≈ HK$334,284/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,972
−HK$9,453/mo
▼ 0.25% · 3.875%
HK$179,664
−HK$4,761/mo
Today · 4.125%
HK$184,425
baseline
▲ 0.50% · 4.625%
HK$194,146
+HK$9,721/mo
Deposit HK$3.83M · loan HK$34.49M · min. income ≈ HK$368,850/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,628,562 · Scale 2, in force from 26 Feb 2026)