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$83,493
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$86,090
−HK$2,639/mo
Today · 4.125%
HK$88,729
baseline
▲ 0.50% · 4.625%
HK$94,128
+HK$5,399/mo
Deposit HK$18.31M · loan HK$18.31M · min. income ≈ HK$177,458/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,556,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,885
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$95,376
−HK$2,527/mo
Today · 4.125%
HK$97,903
baseline
▲ 0.50% · 4.625%
HK$103,064
+HK$5,161/mo
Deposit HK$18.31M · loan HK$18.31M · min. income ≈ HK$195,806/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,556,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,192
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$103,308
−HK$3,166/mo
Today · 4.125%
HK$106,474
baseline
▲ 0.50% · 4.625%
HK$112,953
+HK$6,479/mo
Deposit HK$14.65M · loan HK$21.97M · min. income ≈ HK$212,948/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,556,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,462
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,451
−HK$3,033/mo
Today · 4.125%
HK$117,484
baseline
▲ 0.50% · 4.625%
HK$123,677
+HK$6,193/mo
Deposit HK$14.65M · loan HK$21.97M · min. income ≈ HK$234,968/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$1,556,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,890
−HK$7,330/mo
▼ 0.25% · 3.875%
HK$120,526
−HK$3,694/mo
Today · 4.125%
HK$124,220
baseline
▲ 0.50% · 4.625%
HK$131,779
+HK$7,559/mo
Deposit HK$10.98M · loan HK$25.63M · min. income ≈ HK$248,440/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,556,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,039
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$133,527
−HK$3,538/mo
Today · 4.125%
HK$137,065
baseline
▲ 0.50% · 4.625%
HK$144,290
+HK$7,225/mo
Deposit HK$10.98M · loan HK$25.63M · min. income ≈ HK$274,130/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,556,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,287
−HK$9,425/mo
▼ 0.25% · 3.875%
HK$154,962
−HK$4,750/mo
Today · 4.125%
HK$159,712
baseline
▲ 0.50% · 4.625%
HK$169,430
+HK$9,718/mo
Deposit HK$3.66M · loan HK$32.95M · min. income ≈ HK$319,424/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,193
−HK$9,033/mo
▼ 0.25% · 3.875%
HK$171,677
−HK$4,549/mo
Today · 4.125%
HK$176,226
baseline
▲ 0.50% · 4.625%
HK$185,515
+HK$9,289/mo
Deposit HK$3.66M · loan HK$32.95M · min. income ≈ HK$352,452/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$1,556,163 · Scale 2, in force from 26 Feb 2026)