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$82,661
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$85,232
−HK$2,612/mo
Today · 4.125%
HK$87,844
baseline
▲ 0.50% · 4.625%
HK$93,190
+HK$5,346/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$175,688/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,540,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,959
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,426
−HK$2,502/mo
Today · 4.125%
HK$96,928
baseline
▲ 0.50% · 4.625%
HK$102,037
+HK$5,109/mo
Deposit HK$18.13M · loan HK$18.13M · min. income ≈ HK$193,856/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,540,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,193
−HK$6,220/mo
▼ 0.25% · 3.875%
HK$102,279
−HK$3,134/mo
Today · 4.125%
HK$105,413
baseline
▲ 0.50% · 4.625%
HK$111,828
+HK$6,415/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$210,826/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,351
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$113,311
−HK$3,002/mo
Today · 4.125%
HK$116,313
baseline
▲ 0.50% · 4.625%
HK$122,444
+HK$6,131/mo
Deposit HK$14.50M · loan HK$21.75M · min. income ≈ HK$232,626/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,540,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,725
−HK$7,257/mo
▼ 0.25% · 3.875%
HK$119,325
−HK$3,657/mo
Today · 4.125%
HK$122,982
baseline
▲ 0.50% · 4.625%
HK$130,465
+HK$7,483/mo
Deposit HK$10.88M · loan HK$25.38M · min. income ≈ HK$245,964/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,540,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,743
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$132,196
−HK$3,503/mo
Today · 4.125%
HK$135,699
baseline
▲ 0.50% · 4.625%
HK$142,852
+HK$7,153/mo
Deposit HK$10.88M · loan HK$25.38M · min. income ≈ HK$271,398/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,540,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,790
−HK$9,330/mo
▼ 0.25% · 3.875%
HK$153,418
−HK$4,702/mo
Today · 4.125%
HK$158,120
baseline
▲ 0.50% · 4.625%
HK$167,741
+HK$9,621/mo
Deposit HK$3.63M · loan HK$32.63M · min. income ≈ HK$316,240/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,540,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,527
−HK$8,943/mo
▼ 0.25% · 3.875%
HK$169,966
−HK$4,504/mo
Today · 4.125%
HK$174,470
baseline
▲ 0.50% · 4.625%
HK$183,666
+HK$9,196/mo
Deposit HK$3.63M · loan HK$32.63M · min. income ≈ HK$348,940/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$1,540,655 · Scale 2, in force from 26 Feb 2026)