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$81,454
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,987
−HK$2,574/mo
Today · 4.125%
HK$86,561
baseline
▲ 0.50% · 4.625%
HK$91,828
+HK$5,267/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$173,122/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,518,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,616
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,047
−HK$2,465/mo
Today · 4.125%
HK$95,512
baseline
▲ 0.50% · 4.625%
HK$100,547
+HK$5,035/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$191,024/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,518,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,744
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$100,785
−HK$3,089/mo
Today · 4.125%
HK$103,874
baseline
▲ 0.50% · 4.625%
HK$110,194
+HK$6,320/mo
Deposit HK$14.29M · loan HK$21.43M · min. income ≈ HK$207,748/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,518,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,740
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$111,656
−HK$2,958/mo
Today · 4.125%
HK$114,614
baseline
▲ 0.50% · 4.625%
HK$120,656
+HK$6,042/mo
Deposit HK$14.29M · loan HK$21.43M · min. income ≈ HK$229,228/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,518,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,035
−HK$7,151/mo
▼ 0.25% · 3.875%
HK$117,582
−HK$3,604/mo
Today · 4.125%
HK$121,186
baseline
▲ 0.50% · 4.625%
HK$128,560
+HK$7,374/mo
Deposit HK$10.72M · loan HK$25.00M · min. income ≈ HK$242,372/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,518,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,863
−HK$6,854/mo
▼ 0.25% · 3.875%
HK$130,265
−HK$3,452/mo
Today · 4.125%
HK$133,717
baseline
▲ 0.50% · 4.625%
HK$140,765
+HK$7,048/mo
Deposit HK$10.72M · loan HK$25.00M · min. income ≈ HK$267,434/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,518,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,616
−HK$9,195/mo
▼ 0.25% · 3.875%
HK$151,177
−HK$4,634/mo
Today · 4.125%
HK$155,811
baseline
▲ 0.50% · 4.625%
HK$165,291
+HK$9,480/mo
Deposit HK$3.57M · loan HK$32.15M · min. income ≈ HK$311,622/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,518,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,109
−HK$8,813/mo
▼ 0.25% · 3.875%
HK$167,484
−HK$4,438/mo
Today · 4.125%
HK$171,922
baseline
▲ 0.50% · 4.625%
HK$180,984
+HK$9,062/mo
Deposit HK$3.57M · loan HK$32.15M · min. income ≈ HK$343,844/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,518,152 · Scale 2, in force from 26 Feb 2026)