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$80,734
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,245
−HK$2,552/mo
Today · 4.125%
HK$85,797
baseline
▲ 0.50% · 4.625%
HK$91,017
+HK$5,220/mo
Deposit HK$17.70M · loan HK$17.70M · min. income ≈ HK$171,594/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,504,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,816
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,224
−HK$2,444/mo
Today · 4.125%
HK$94,668
baseline
▲ 0.50% · 4.625%
HK$99,658
+HK$4,990/mo
Deposit HK$17.70M · loan HK$17.70M · min. income ≈ HK$189,336/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,504,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,881
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$99,894
−HK$3,062/mo
Today · 4.125%
HK$102,956
baseline
▲ 0.50% · 4.625%
HK$109,220
+HK$6,264/mo
Deposit HK$14.16M · loan HK$21.24M · min. income ≈ HK$205,912/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,504,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,779
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$110,669
−HK$2,933/mo
Today · 4.125%
HK$113,602
baseline
▲ 0.50% · 4.625%
HK$119,590
+HK$5,988/mo
Deposit HK$14.16M · loan HK$21.24M · min. income ≈ HK$227,204/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,504,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,027
−HK$7,088/mo
▼ 0.25% · 3.875%
HK$116,543
−HK$3,572/mo
Today · 4.125%
HK$120,115
baseline
▲ 0.50% · 4.625%
HK$127,424
+HK$7,309/mo
Deposit HK$10.62M · loan HK$24.78M · min. income ≈ HK$240,230/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,504,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,742
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$129,114
−HK$3,421/mo
Today · 4.125%
HK$132,535
baseline
▲ 0.50% · 4.625%
HK$139,521
+HK$6,986/mo
Deposit HK$10.62M · loan HK$24.78M · min. income ≈ HK$265,070/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,504,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,321
−HK$9,113/mo
▼ 0.25% · 3.875%
HK$149,841
−HK$4,593/mo
Today · 4.125%
HK$154,434
baseline
▲ 0.50% · 4.625%
HK$163,831
+HK$9,397/mo
Deposit HK$3.54M · loan HK$31.87M · min. income ≈ HK$308,868/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,504,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,668
−HK$8,734/mo
▼ 0.25% · 3.875%
HK$166,004
−HK$4,398/mo
Today · 4.125%
HK$170,402
baseline
▲ 0.50% · 4.625%
HK$179,385
+HK$8,983/mo
Deposit HK$3.54M · loan HK$31.87M · min. income ≈ HK$340,804/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,504,738 · Scale 2, in force from 26 Feb 2026)