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$87,736
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$90,465
−HK$2,773/mo
Today · 4.125%
HK$93,238
baseline
▲ 0.50% · 4.625%
HK$98,911
+HK$5,673/mo
Deposit HK$19.24M · loan HK$19.24M · min. income ≈ HK$186,476/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,635,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,605
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,223
−HK$2,655/mo
Today · 4.125%
HK$102,878
baseline
▲ 0.50% · 4.625%
HK$108,301
+HK$5,423/mo
Deposit HK$19.24M · loan HK$19.24M · min. income ≈ HK$205,756/mo (50% DSR)
Upfront cash ≈ HK$20.87M (deposit + AVD stamp duty HK$1,635,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,283
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$108,558
−HK$3,327/mo
Today · 4.125%
HK$111,885
baseline
▲ 0.50% · 4.625%
HK$118,693
+HK$6,808/mo
Deposit HK$15.39M · loan HK$23.09M · min. income ≈ HK$223,770/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,635,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,126
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$120,267
−HK$3,187/mo
Today · 4.125%
HK$123,454
baseline
▲ 0.50% · 4.625%
HK$129,962
+HK$6,508/mo
Deposit HK$15.39M · loan HK$23.09M · min. income ≈ HK$246,908/mo (50% DSR)
Upfront cash ≈ HK$17.03M (deposit + AVD stamp duty HK$1,635,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,830
−HK$7,703/mo
▼ 0.25% · 3.875%
HK$126,651
−HK$3,882/mo
Today · 4.125%
HK$130,533
baseline
▲ 0.50% · 4.625%
HK$138,475
+HK$7,942/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$261,066/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,647
−HK$7,383/mo
▼ 0.25% · 3.875%
HK$140,312
−HK$3,718/mo
Today · 4.125%
HK$144,030
baseline
▲ 0.50% · 4.625%
HK$151,622
+HK$7,592/mo
Deposit HK$11.54M · loan HK$26.93M · min. income ≈ HK$288,060/mo (50% DSR)
Upfront cash ≈ HK$13.18M (deposit + AVD stamp duty HK$1,635,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,924
−HK$9,904/mo
▼ 0.25% · 3.875%
HK$162,837
−HK$4,991/mo
Today · 4.125%
HK$167,828
baseline
▲ 0.50% · 4.625%
HK$178,040
+HK$10,212/mo
Deposit HK$3.85M · loan HK$34.63M · min. income ≈ HK$335,656/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,635,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,689
−HK$9,492/mo
▼ 0.25% · 3.875%
HK$180,401
−HK$4,780/mo
Today · 4.125%
HK$185,181
baseline
▲ 0.50% · 4.625%
HK$194,942
+HK$9,761/mo
Deposit HK$3.85M · loan HK$34.63M · min. income ≈ HK$370,362/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,635,243 · Scale 2, in force from 26 Feb 2026)