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$84,637
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$87,269
−HK$2,675/mo
Today · 4.125%
HK$89,944
baseline
▲ 0.50% · 4.625%
HK$95,417
+HK$5,473/mo
Deposit HK$18.56M · loan HK$18.56M · min. income ≈ HK$179,888/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,577,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,157
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,683
−HK$2,561/mo
Today · 4.125%
HK$99,244
baseline
▲ 0.50% · 4.625%
HK$104,476
+HK$5,232/mo
Deposit HK$18.56M · loan HK$18.56M · min. income ≈ HK$198,488/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,577,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,564
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$104,723
−HK$3,210/mo
Today · 4.125%
HK$107,933
baseline
▲ 0.50% · 4.625%
HK$114,500
+HK$6,567/mo
Deposit HK$14.85M · loan HK$22.27M · min. income ≈ HK$215,866/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,577,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,989
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$116,019
−HK$3,074/mo
Today · 4.125%
HK$119,093
baseline
▲ 0.50% · 4.625%
HK$125,371
+HK$6,278/mo
Deposit HK$14.85M · loan HK$22.27M · min. income ≈ HK$238,186/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,577,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,491
−HK$7,431/mo
▼ 0.25% · 3.875%
HK$122,177
−HK$3,745/mo
Today · 4.125%
HK$125,922
baseline
▲ 0.50% · 4.625%
HK$133,584
+HK$7,662/mo
Deposit HK$11.14M · loan HK$25.98M · min. income ≈ HK$251,844/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,577,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,820
−HK$7,122/mo
▼ 0.25% · 3.875%
HK$135,356
−HK$3,586/mo
Today · 4.125%
HK$138,942
baseline
▲ 0.50% · 4.625%
HK$146,266
+HK$7,324/mo
Deposit HK$11.14M · loan HK$25.98M · min. income ≈ HK$277,884/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,577,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,346
−HK$9,553/mo
▼ 0.25% · 3.875%
HK$157,085
−HK$4,814/mo
Today · 4.125%
HK$161,899
baseline
▲ 0.50% · 4.625%
HK$171,751
+HK$9,852/mo
Deposit HK$3.71M · loan HK$33.41M · min. income ≈ HK$323,798/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,483
−HK$9,157/mo
▼ 0.25% · 3.875%
HK$174,029
−HK$4,611/mo
Today · 4.125%
HK$178,640
baseline
▲ 0.50% · 4.625%
HK$188,056
+HK$9,416/mo
Deposit HK$3.71M · loan HK$33.41M · min. income ≈ HK$357,280/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,480 · Scale 2, in force from 26 Feb 2026)