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$82,549
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,117
−HK$2,609/mo
Today · 4.125%
HK$87,726
baseline
▲ 0.50% · 4.625%
HK$93,064
+HK$5,338/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$175,452/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,835
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,298
−HK$2,499/mo
Today · 4.125%
HK$96,797
baseline
▲ 0.50% · 4.625%
HK$101,899
+HK$5,102/mo
Deposit HK$18.10M · loan HK$18.10M · min. income ≈ HK$193,594/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,538,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,059
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$102,141
−HK$3,130/mo
Today · 4.125%
HK$105,271
baseline
▲ 0.50% · 4.625%
HK$111,677
+HK$6,406/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$210,542/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,202
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$113,158
−HK$2,998/mo
Today · 4.125%
HK$116,156
baseline
▲ 0.50% · 4.625%
HK$122,279
+HK$6,123/mo
Deposit HK$14.48M · loan HK$21.72M · min. income ≈ HK$232,312/mo (50% DSR)
Upfront cash ≈ HK$16.02M (deposit + AVD stamp duty HK$1,538,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,569
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$119,164
−HK$3,652/mo
Today · 4.125%
HK$122,816
baseline
▲ 0.50% · 4.625%
HK$130,289
+HK$7,473/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$245,632/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,570
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$132,018
−HK$3,498/mo
Today · 4.125%
HK$135,516
baseline
▲ 0.50% · 4.625%
HK$142,659
+HK$7,143/mo
Deposit HK$10.86M · loan HK$25.34M · min. income ≈ HK$271,032/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,538,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,589
−HK$9,318/mo
▼ 0.25% · 3.875%
HK$153,211
−HK$4,696/mo
Today · 4.125%
HK$157,907
baseline
▲ 0.50% · 4.625%
HK$167,515
+HK$9,608/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$315,814/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,304
−HK$8,930/mo
▼ 0.25% · 3.875%
HK$169,737
−HK$4,497/mo
Today · 4.125%
HK$174,234
baseline
▲ 0.50% · 4.625%
HK$183,419
+HK$9,185/mo
Deposit HK$3.62M · loan HK$32.58M · min. income ≈ HK$348,468/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$1,538,577 · Scale 2, in force from 26 Feb 2026)