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$86,425
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$89,113
−HK$2,732/mo
Today · 4.125%
HK$91,845
baseline
▲ 0.50% · 4.625%
HK$97,433
+HK$5,588/mo
Deposit HK$18.95M · loan HK$18.95M · min. income ≈ HK$183,690/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$1,610,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,147
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,726
−HK$2,616/mo
Today · 4.125%
HK$101,342
baseline
▲ 0.50% · 4.625%
HK$106,683
+HK$5,341/mo
Deposit HK$18.95M · loan HK$18.95M · min. income ≈ HK$202,684/mo (50% DSR)
Upfront cash ≈ HK$20.56M (deposit + AVD stamp duty HK$1,610,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,710
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$106,936
−HK$3,278/mo
Today · 4.125%
HK$110,214
baseline
▲ 0.50% · 4.625%
HK$116,920
+HK$6,706/mo
Deposit HK$15.16M · loan HK$22.74M · min. income ≈ HK$220,428/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,610,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,377
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$118,471
−HK$3,139/mo
Today · 4.125%
HK$121,610
baseline
▲ 0.50% · 4.625%
HK$128,020
+HK$6,410/mo
Deposit HK$15.16M · loan HK$22.74M · min. income ≈ HK$243,220/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,610,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,995
−HK$7,588/mo
▼ 0.25% · 3.875%
HK$124,759
−HK$3,824/mo
Today · 4.125%
HK$128,583
baseline
▲ 0.50% · 4.625%
HK$136,407
+HK$7,824/mo
Deposit HK$11.37M · loan HK$26.53M · min. income ≈ HK$257,166/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,610,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,606
−HK$7,272/mo
▼ 0.25% · 3.875%
HK$138,216
−HK$3,662/mo
Today · 4.125%
HK$141,878
baseline
▲ 0.50% · 4.625%
HK$149,357
+HK$7,479/mo
Deposit HK$11.37M · loan HK$26.53M · min. income ≈ HK$283,756/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,610,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,565
−HK$9,756/mo
▼ 0.25% · 3.875%
HK$160,404
−HK$4,917/mo
Today · 4.125%
HK$165,321
baseline
▲ 0.50% · 4.625%
HK$175,380
+HK$10,059/mo
Deposit HK$3.79M · loan HK$34.11M · min. income ≈ HK$330,642/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,610,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,065
−HK$9,350/mo
▼ 0.25% · 3.875%
HK$177,706
−HK$4,709/mo
Today · 4.125%
HK$182,415
baseline
▲ 0.50% · 4.625%
HK$192,030
+HK$9,615/mo
Deposit HK$3.79M · loan HK$34.11M · min. income ≈ HK$364,830/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,610,814 · Scale 2, in force from 26 Feb 2026)