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$87,206
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$89,918
−HK$2,756/mo
Today · 4.125%
HK$92,674
baseline
▲ 0.50% · 4.625%
HK$98,313
+HK$5,639/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$185,348/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$1,625,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,015
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$99,617
−HK$2,640/mo
Today · 4.125%
HK$102,257
baseline
▲ 0.50% · 4.625%
HK$107,647
+HK$5,390/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$204,514/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$1,625,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,647
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$107,902
−HK$3,307/mo
Today · 4.125%
HK$111,209
baseline
▲ 0.50% · 4.625%
HK$117,976
+HK$6,767/mo
Deposit HK$15.30M · loan HK$22.95M · min. income ≈ HK$222,418/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,625,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,418
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$119,541
−HK$3,167/mo
Today · 4.125%
HK$122,708
baseline
▲ 0.50% · 4.625%
HK$129,176
+HK$6,468/mo
Deposit HK$15.30M · loan HK$22.95M · min. income ≈ HK$245,416/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,625,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,088
−HK$7,656/mo
▼ 0.25% · 3.875%
HK$125,886
−HK$3,858/mo
Today · 4.125%
HK$129,744
baseline
▲ 0.50% · 4.625%
HK$137,638
+HK$7,894/mo
Deposit HK$11.47M · loan HK$26.77M · min. income ≈ HK$259,488/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,625,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,822
−HK$7,338/mo
▼ 0.25% · 3.875%
HK$139,464
−HK$3,696/mo
Today · 4.125%
HK$143,160
baseline
▲ 0.50% · 4.625%
HK$150,706
+HK$7,546/mo
Deposit HK$11.47M · loan HK$26.77M · min. income ≈ HK$286,320/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,625,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,970
−HK$9,844/mo
▼ 0.25% · 3.875%
HK$161,853
−HK$4,961/mo
Today · 4.125%
HK$166,814
baseline
▲ 0.50% · 4.625%
HK$176,964
+HK$10,150/mo
Deposit HK$3.82M · loan HK$34.42M · min. income ≈ HK$333,628/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,625,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,628
−HK$9,434/mo
▼ 0.25% · 3.875%
HK$179,311
−HK$4,751/mo
Today · 4.125%
HK$184,062
baseline
▲ 0.50% · 4.625%
HK$193,764
+HK$9,702/mo
Deposit HK$3.82M · loan HK$34.42M · min. income ≈ HK$368,124/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,625,361 · Scale 2, in force from 26 Feb 2026)