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$83,330
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$85,922
−HK$2,634/mo
Today · 4.125%
HK$88,556
baseline
▲ 0.50% · 4.625%
HK$93,944
+HK$5,388/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$177,112/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,553,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,704
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$95,190
−HK$2,523/mo
Today · 4.125%
HK$97,713
baseline
▲ 0.50% · 4.625%
HK$102,863
+HK$5,150/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$195,426/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,553,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,996
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$103,107
−HK$3,160/mo
Today · 4.125%
HK$106,267
baseline
▲ 0.50% · 4.625%
HK$112,733
+HK$6,466/mo
Deposit HK$14.62M · loan HK$21.93M · min. income ≈ HK$212,534/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,553,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,245
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$114,228
−HK$3,027/mo
Today · 4.125%
HK$117,255
baseline
▲ 0.50% · 4.625%
HK$123,436
+HK$6,181/mo
Deposit HK$14.62M · loan HK$21.93M · min. income ≈ HK$234,510/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,553,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,662
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$120,291
−HK$3,687/mo
Today · 4.125%
HK$123,978
baseline
▲ 0.50% · 4.625%
HK$131,522
+HK$7,544/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$247,956/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,553,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,786
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$133,266
−HK$3,532/mo
Today · 4.125%
HK$136,798
baseline
▲ 0.50% · 4.625%
HK$144,008
+HK$7,210/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$273,596/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,553,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,994
−HK$9,406/mo
▼ 0.25% · 3.875%
HK$154,660
−HK$4,740/mo
Today · 4.125%
HK$159,400
baseline
▲ 0.50% · 4.625%
HK$169,100
+HK$9,700/mo
Deposit HK$3.65M · loan HK$32.89M · min. income ≈ HK$318,800/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,553,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,867
−HK$9,016/mo
▼ 0.25% · 3.875%
HK$171,343
−HK$4,540/mo
Today · 4.125%
HK$175,883
baseline
▲ 0.50% · 4.625%
HK$185,154
+HK$9,271/mo
Deposit HK$3.65M · loan HK$32.89M · min. income ≈ HK$351,766/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,553,130 · Scale 2, in force from 26 Feb 2026)