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$82,208
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,765
−HK$2,598/mo
Today · 4.125%
HK$87,363
baseline
▲ 0.50% · 4.625%
HK$92,679
+HK$5,316/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$174,726/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,456
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,908
−HK$2,489/mo
Today · 4.125%
HK$96,397
baseline
▲ 0.50% · 4.625%
HK$101,478
+HK$5,081/mo
Deposit HK$18.03M · loan HK$18.03M · min. income ≈ HK$192,794/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,532,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,650
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,718
−HK$3,118/mo
Today · 4.125%
HK$104,836
baseline
▲ 0.50% · 4.625%
HK$111,215
+HK$6,379/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$209,672/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,532,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,747
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,690
−HK$2,986/mo
Today · 4.125%
HK$115,676
baseline
▲ 0.50% · 4.625%
HK$121,773
+HK$6,097/mo
Deposit HK$14.42M · loan HK$21.63M · min. income ≈ HK$231,352/mo (50% DSR)
Upfront cash ≈ HK$15.95M (deposit + AVD stamp duty HK$1,532,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,091
−HK$7,217/mo
▼ 0.25% · 3.875%
HK$118,671
−HK$3,637/mo
Today · 4.125%
HK$122,308
baseline
▲ 0.50% · 4.625%
HK$129,751
+HK$7,443/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$244,616/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,038
−HK$6,917/mo
▼ 0.25% · 3.875%
HK$131,472
−HK$3,483/mo
Today · 4.125%
HK$134,955
baseline
▲ 0.50% · 4.625%
HK$142,069
+HK$7,114/mo
Deposit HK$10.82M · loan HK$25.24M · min. income ≈ HK$269,910/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,532,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,974
−HK$9,280/mo
▼ 0.25% · 3.875%
HK$152,577
−HK$4,677/mo
Today · 4.125%
HK$157,254
baseline
▲ 0.50% · 4.625%
HK$166,822
+HK$9,568/mo
Deposit HK$3.61M · loan HK$32.45M · min. income ≈ HK$314,508/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,620
−HK$8,894/mo
▼ 0.25% · 3.875%
HK$169,035
−HK$4,479/mo
Today · 4.125%
HK$173,514
baseline
▲ 0.50% · 4.625%
HK$182,660
+HK$9,146/mo
Deposit HK$3.61M · loan HK$32.45M · min. income ≈ HK$347,028/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,532,214 · Scale 2, in force from 26 Feb 2026)