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$88,096
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,836
−HK$2,784/mo
Today · 4.125%
HK$93,620
baseline
▲ 0.50% · 4.625%
HK$99,317
+HK$5,697/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$187,240/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,641,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,006
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,634
−HK$2,667/mo
Today · 4.125%
HK$103,301
baseline
▲ 0.50% · 4.625%
HK$108,746
+HK$5,445/mo
Deposit HK$19.32M · loan HK$19.32M · min. income ≈ HK$206,602/mo (50% DSR)
Upfront cash ≈ HK$20.96M (deposit + AVD stamp duty HK$1,641,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,715
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$109,003
−HK$3,341/mo
Today · 4.125%
HK$112,344
baseline
▲ 0.50% · 4.625%
HK$119,180
+HK$6,836/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$224,688/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,641,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,607
−HK$6,354/mo
▼ 0.25% · 3.875%
HK$120,761
−HK$3,200/mo
Today · 4.125%
HK$123,961
baseline
▲ 0.50% · 4.625%
HK$130,495
+HK$6,534/mo
Deposit HK$15.45M · loan HK$23.18M · min. income ≈ HK$247,922/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,641,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,334
−HK$7,734/mo
▼ 0.25% · 3.875%
HK$127,171
−HK$3,897/mo
Today · 4.125%
HK$131,068
baseline
▲ 0.50% · 4.625%
HK$139,043
+HK$7,975/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$262,136/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,208
−HK$7,413/mo
▼ 0.25% · 3.875%
HK$140,888
−HK$3,733/mo
Today · 4.125%
HK$144,621
baseline
▲ 0.50% · 4.625%
HK$152,244
+HK$7,623/mo
Deposit HK$11.59M · loan HK$27.04M · min. income ≈ HK$289,242/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,572
−HK$9,944/mo
▼ 0.25% · 3.875%
HK$163,505
−HK$5,011/mo
Today · 4.125%
HK$168,516
baseline
▲ 0.50% · 4.625%
HK$178,770
+HK$10,254/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$337,032/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,641,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,410
−HK$9,531/mo
▼ 0.25% · 3.875%
HK$181,141
−HK$4,800/mo
Today · 4.125%
HK$185,941
baseline
▲ 0.50% · 4.625%
HK$195,742
+HK$9,801/mo
Deposit HK$3.86M · loan HK$34.77M · min. income ≈ HK$371,882/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,641,953 · Scale 2, in force from 26 Feb 2026)