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$88,861
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$91,625
−HK$2,809/mo
Today · 4.125%
HK$94,434
baseline
▲ 0.50% · 4.625%
HK$100,180
+HK$5,746/mo
Deposit HK$19.48M · loan HK$19.48M · min. income ≈ HK$188,868/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$1,656,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,857
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$101,509
−HK$2,689/mo
Today · 4.125%
HK$104,198
baseline
▲ 0.50% · 4.625%
HK$109,691
+HK$5,493/mo
Deposit HK$19.48M · loan HK$19.48M · min. income ≈ HK$208,396/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$1,656,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,633
−HK$6,687/mo
▼ 0.25% · 3.875%
HK$109,950
−HK$3,370/mo
Today · 4.125%
HK$113,320
baseline
▲ 0.50% · 4.625%
HK$120,216
+HK$6,896/mo
Deposit HK$15.59M · loan HK$23.38M · min. income ≈ HK$226,640/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,656,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,629
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$121,810
−HK$3,228/mo
Today · 4.125%
HK$125,038
baseline
▲ 0.50% · 4.625%
HK$131,629
+HK$6,591/mo
Deposit HK$15.59M · loan HK$23.38M · min. income ≈ HK$250,076/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,656,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,406
−HK$7,801/mo
▼ 0.25% · 3.875%
HK$128,275
−HK$3,932/mo
Today · 4.125%
HK$132,207
baseline
▲ 0.50% · 4.625%
HK$140,252
+HK$8,045/mo
Deposit HK$11.69M · loan HK$27.28M · min. income ≈ HK$264,414/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,400
−HK$7,477/mo
▼ 0.25% · 3.875%
HK$142,112
−HK$3,765/mo
Today · 4.125%
HK$145,877
baseline
▲ 0.50% · 4.625%
HK$153,567
+HK$7,690/mo
Deposit HK$11.69M · loan HK$27.28M · min. income ≈ HK$291,754/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,656,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,950
−HK$10,031/mo
▼ 0.25% · 3.875%
HK$164,926
−HK$5,055/mo
Today · 4.125%
HK$169,981
baseline
▲ 0.50% · 4.625%
HK$180,323
+HK$10,342/mo
Deposit HK$3.90M · loan HK$35.07M · min. income ≈ HK$339,962/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,656,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,943
−HK$9,614/mo
▼ 0.25% · 3.875%
HK$182,715
−HK$4,842/mo
Today · 4.125%
HK$187,557
baseline
▲ 0.50% · 4.625%
HK$197,443
+HK$9,886/mo
Deposit HK$3.90M · loan HK$35.07M · min. income ≈ HK$375,114/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,656,219 · Scale 2, in force from 26 Feb 2026)