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$86,050
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,726
−HK$2,720/mo
Today · 4.125%
HK$91,446
baseline
▲ 0.50% · 4.625%
HK$97,010
+HK$5,564/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$182,892/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,729
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,297
−HK$2,604/mo
Today · 4.125%
HK$100,901
baseline
▲ 0.50% · 4.625%
HK$106,220
+HK$5,319/mo
Deposit HK$18.87M · loan HK$18.87M · min. income ≈ HK$201,802/mo (50% DSR)
Upfront cash ≈ HK$20.47M (deposit + AVD stamp duty HK$1,603,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,260
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$106,472
−HK$3,263/mo
Today · 4.125%
HK$109,735
baseline
▲ 0.50% · 4.625%
HK$116,412
+HK$6,677/mo
Deposit HK$15.09M · loan HK$22.64M · min. income ≈ HK$219,470/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,603,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,875
−HK$6,207/mo
▼ 0.25% · 3.875%
HK$117,956
−HK$3,126/mo
Today · 4.125%
HK$121,082
baseline
▲ 0.50% · 4.625%
HK$127,464
+HK$6,382/mo
Deposit HK$15.09M · loan HK$22.64M · min. income ≈ HK$242,164/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,603,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,470
−HK$7,554/mo
▼ 0.25% · 3.875%
HK$124,217
−HK$3,807/mo
Today · 4.125%
HK$128,024
baseline
▲ 0.50% · 4.625%
HK$135,814
+HK$7,790/mo
Deposit HK$11.32M · loan HK$26.42M · min. income ≈ HK$256,048/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,603,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,021
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$137,616
−HK$3,646/mo
Today · 4.125%
HK$141,262
baseline
▲ 0.50% · 4.625%
HK$148,708
+HK$7,446/mo
Deposit HK$11.32M · loan HK$26.42M · min. income ≈ HK$282,524/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,603,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,889
−HK$9,713/mo
▼ 0.25% · 3.875%
HK$159,707
−HK$4,895/mo
Today · 4.125%
HK$164,602
baseline
▲ 0.50% · 4.625%
HK$174,618
+HK$10,016/mo
Deposit HK$3.77M · loan HK$33.96M · min. income ≈ HK$329,204/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,313
−HK$9,309/mo
▼ 0.25% · 3.875%
HK$176,934
−HK$4,688/mo
Today · 4.125%
HK$181,622
baseline
▲ 0.50% · 4.625%
HK$191,196
+HK$9,574/mo
Deposit HK$3.77M · loan HK$33.96M · min. income ≈ HK$363,244/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$1,603,816 · Scale 2, in force from 26 Feb 2026)