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$83,331
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,923
−HK$2,633/mo
Today · 4.125%
HK$88,556
baseline
▲ 0.50% · 4.625%
HK$93,945
+HK$5,389/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$177,112/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,553,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,705
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,191
−HK$2,522/mo
Today · 4.125%
HK$97,713
baseline
▲ 0.50% · 4.625%
HK$102,864
+HK$5,151/mo
Deposit HK$18.27M · loan HK$18.27M · min. income ≈ HK$195,426/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,553,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,997
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$103,107
−HK$3,161/mo
Today · 4.125%
HK$106,268
baseline
▲ 0.50% · 4.625%
HK$112,734
+HK$6,466/mo
Deposit HK$14.62M · loan HK$21.93M · min. income ≈ HK$212,536/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,553,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,246
−HK$6,010/mo
▼ 0.25% · 3.875%
HK$114,229
−HK$3,027/mo
Today · 4.125%
HK$117,256
baseline
▲ 0.50% · 4.625%
HK$123,437
+HK$6,181/mo
Deposit HK$14.62M · loan HK$21.93M · min. income ≈ HK$234,512/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$1,553,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,663
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$120,292
−HK$3,687/mo
Today · 4.125%
HK$123,979
baseline
▲ 0.50% · 4.625%
HK$131,523
+HK$7,544/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$247,958/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,553,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,786
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$133,267
−HK$3,531/mo
Today · 4.125%
HK$136,798
baseline
▲ 0.50% · 4.625%
HK$144,009
+HK$7,211/mo
Deposit HK$10.96M · loan HK$25.58M · min. income ≈ HK$273,596/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,553,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,995
−HK$9,406/mo
▼ 0.25% · 3.875%
HK$154,661
−HK$4,740/mo
Today · 4.125%
HK$159,401
baseline
▲ 0.50% · 4.625%
HK$169,101
+HK$9,700/mo
Deposit HK$3.65M · loan HK$32.89M · min. income ≈ HK$318,802/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,553,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,868
−HK$9,016/mo
▼ 0.25% · 3.875%
HK$171,344
−HK$4,540/mo
Today · 4.125%
HK$175,884
baseline
▲ 0.50% · 4.625%
HK$185,155
+HK$9,271/mo
Deposit HK$3.65M · loan HK$32.89M · min. income ≈ HK$351,768/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$1,553,141 · Scale 2, in force from 26 Feb 2026)