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$83,325
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,916
−HK$2,634/mo
Today · 4.125%
HK$88,550
baseline
▲ 0.50% · 4.625%
HK$93,938
+HK$5,388/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$177,100/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,553,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,698
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,184
−HK$2,522/mo
Today · 4.125%
HK$97,706
baseline
▲ 0.50% · 4.625%
HK$102,856
+HK$5,150/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$195,412/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,553,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,990
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$103,100
−HK$3,160/mo
Today · 4.125%
HK$106,260
baseline
▲ 0.50% · 4.625%
HK$112,725
+HK$6,465/mo
Deposit HK$14.62M · loan HK$21.93M · min. income ≈ HK$212,520/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,553,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,237
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$114,221
−HK$3,026/mo
Today · 4.125%
HK$117,247
baseline
▲ 0.50% · 4.625%
HK$123,427
+HK$6,180/mo
Deposit HK$14.62M · loan HK$21.93M · min. income ≈ HK$234,494/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,553,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,654
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$120,283
−HK$3,687/mo
Today · 4.125%
HK$123,970
baseline
▲ 0.50% · 4.625%
HK$131,513
+HK$7,543/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$247,940/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,553,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,777
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$133,257
−HK$3,531/mo
Today · 4.125%
HK$136,788
baseline
▲ 0.50% · 4.625%
HK$143,999
+HK$7,211/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$273,576/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,553,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,984
−HK$9,406/mo
▼ 0.25% · 3.875%
HK$154,650
−HK$4,740/mo
Today · 4.125%
HK$159,390
baseline
▲ 0.50% · 4.625%
HK$169,088
+HK$9,698/mo
Deposit HK$3.65M · loan HK$32.89M · min. income ≈ HK$318,780/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,553,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,856
−HK$9,015/mo
▼ 0.25% · 3.875%
HK$171,331
−HK$4,540/mo
Today · 4.125%
HK$175,871
baseline
▲ 0.50% · 4.625%
HK$185,141
+HK$9,270/mo
Deposit HK$3.65M · loan HK$32.89M · min. income ≈ HK$351,742/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,553,026 · Scale 2, in force from 26 Feb 2026)