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$87,442
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$90,162
−HK$2,763/mo
Today · 4.125%
HK$92,925
baseline
▲ 0.50% · 4.625%
HK$98,579
+HK$5,654/mo
Deposit HK$19.17M · loan HK$19.17M · min. income ≈ HK$185,850/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$1,629,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,278
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$99,887
−HK$2,647/mo
Today · 4.125%
HK$102,534
baseline
▲ 0.50% · 4.625%
HK$107,938
+HK$5,404/mo
Deposit HK$19.17M · loan HK$19.17M · min. income ≈ HK$205,068/mo (50% DSR)
Upfront cash ≈ HK$20.80M (deposit + AVD stamp duty HK$1,629,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,930
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$108,194
−HK$3,316/mo
Today · 4.125%
HK$111,510
baseline
▲ 0.50% · 4.625%
HK$118,295
+HK$6,785/mo
Deposit HK$15.34M · loan HK$23.01M · min. income ≈ HK$223,020/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,629,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,734
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$119,864
−HK$3,177/mo
Today · 4.125%
HK$123,041
baseline
▲ 0.50% · 4.625%
HK$129,526
+HK$6,485/mo
Deposit HK$15.34M · loan HK$23.01M · min. income ≈ HK$246,082/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,629,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,419
−HK$7,676/mo
▼ 0.25% · 3.875%
HK$126,226
−HK$3,869/mo
Today · 4.125%
HK$130,095
baseline
▲ 0.50% · 4.625%
HK$138,011
+HK$7,916/mo
Deposit HK$11.50M · loan HK$26.84M · min. income ≈ HK$260,190/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,629,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,189
−HK$7,358/mo
▼ 0.25% · 3.875%
HK$139,842
−HK$3,705/mo
Today · 4.125%
HK$143,547
baseline
▲ 0.50% · 4.625%
HK$151,114
+HK$7,567/mo
Deposit HK$11.50M · loan HK$26.84M · min. income ≈ HK$287,094/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,629,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,395
−HK$9,870/mo
▼ 0.25% · 3.875%
HK$162,291
−HK$4,974/mo
Today · 4.125%
HK$167,265
baseline
▲ 0.50% · 4.625%
HK$177,443
+HK$10,178/mo
Deposit HK$3.83M · loan HK$34.51M · min. income ≈ HK$334,530/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,629,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,101
−HK$9,460/mo
▼ 0.25% · 3.875%
HK$179,797
−HK$4,764/mo
Today · 4.125%
HK$184,561
baseline
▲ 0.50% · 4.625%
HK$194,289
+HK$9,728/mo
Deposit HK$3.83M · loan HK$34.51M · min. income ≈ HK$369,122/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,629,763 · Scale 2, in force from 26 Feb 2026)