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$85,966
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$88,640
−HK$2,717/mo
Today · 4.125%
HK$91,357
baseline
▲ 0.50% · 4.625%
HK$96,916
+HK$5,559/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$182,714/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,602,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,636
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$98,201
−HK$2,602/mo
Today · 4.125%
HK$100,803
baseline
▲ 0.50% · 4.625%
HK$106,117
+HK$5,314/mo
Deposit HK$18.85M · loan HK$18.85M · min. income ≈ HK$201,606/mo (50% DSR)
Upfront cash ≈ HK$20.45M (deposit + AVD stamp duty HK$1,602,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,159
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$106,368
−HK$3,260/mo
Today · 4.125%
HK$109,628
baseline
▲ 0.50% · 4.625%
HK$116,299
+HK$6,671/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$219,256/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,602,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,764
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$117,841
−HK$3,123/mo
Today · 4.125%
HK$120,964
baseline
▲ 0.50% · 4.625%
HK$127,340
+HK$6,376/mo
Deposit HK$15.08M · loan HK$22.62M · min. income ≈ HK$241,928/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,602,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,352
−HK$7,548/mo
▼ 0.25% · 3.875%
HK$124,096
−HK$3,804/mo
Today · 4.125%
HK$127,900
baseline
▲ 0.50% · 4.625%
HK$135,682
+HK$7,782/mo
Deposit HK$11.31M · loan HK$26.39M · min. income ≈ HK$255,800/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,602,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,891
−HK$7,234/mo
▼ 0.25% · 3.875%
HK$137,482
−HK$3,643/mo
Today · 4.125%
HK$141,125
baseline
▲ 0.50% · 4.625%
HK$148,563
+HK$7,438/mo
Deposit HK$11.31M · loan HK$26.39M · min. income ≈ HK$282,250/mo (50% DSR)
Upfront cash ≈ HK$12.91M (deposit + AVD stamp duty HK$1,602,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,739
−HK$9,703/mo
▼ 0.25% · 3.875%
HK$159,552
−HK$4,890/mo
Today · 4.125%
HK$164,442
baseline
▲ 0.50% · 4.625%
HK$174,448
+HK$10,006/mo
Deposit HK$3.77M · loan HK$33.93M · min. income ≈ HK$328,884/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,145
−HK$9,301/mo
▼ 0.25% · 3.875%
HK$176,762
−HK$4,684/mo
Today · 4.125%
HK$181,446
baseline
▲ 0.50% · 4.625%
HK$191,010
+HK$9,564/mo
Deposit HK$3.77M · loan HK$33.93M · min. income ≈ HK$362,892/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$1,602,257 · Scale 2, in force from 26 Feb 2026)