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$83,767
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$86,373
−HK$2,647/mo
Today · 4.125%
HK$89,020
baseline
▲ 0.50% · 4.625%
HK$94,437
+HK$5,417/mo
Deposit HK$18.37M · loan HK$18.37M · min. income ≈ HK$178,040/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,561,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,190
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,690
−HK$2,535/mo
Today · 4.125%
HK$98,225
baseline
▲ 0.50% · 4.625%
HK$103,403
+HK$5,178/mo
Deposit HK$18.37M · loan HK$18.37M · min. income ≈ HK$196,450/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,561,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,521
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$103,648
−HK$3,176/mo
Today · 4.125%
HK$106,824
baseline
▲ 0.50% · 4.625%
HK$113,324
+HK$6,500/mo
Deposit HK$14.69M · loan HK$22.04M · min. income ≈ HK$213,648/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,561,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,828
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$114,828
−HK$3,042/mo
Today · 4.125%
HK$117,870
baseline
▲ 0.50% · 4.625%
HK$124,083
+HK$6,213/mo
Deposit HK$14.69M · loan HK$22.04M · min. income ≈ HK$235,740/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,561,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,274
−HK$7,354/mo
▼ 0.25% · 3.875%
HK$120,922
−HK$3,706/mo
Today · 4.125%
HK$124,628
baseline
▲ 0.50% · 4.625%
HK$132,212
+HK$7,584/mo
Deposit HK$11.02M · loan HK$25.72M · min. income ≈ HK$249,256/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,561,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,467
−HK$7,048/mo
▼ 0.25% · 3.875%
HK$133,966
−HK$3,549/mo
Today · 4.125%
HK$137,515
baseline
▲ 0.50% · 4.625%
HK$144,764
+HK$7,249/mo
Deposit HK$11.02M · loan HK$25.72M · min. income ≈ HK$275,030/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,561,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,781
−HK$9,456/mo
▼ 0.25% · 3.875%
HK$155,471
−HK$4,766/mo
Today · 4.125%
HK$160,237
baseline
▲ 0.50% · 4.625%
HK$169,987
+HK$9,750/mo
Deposit HK$3.67M · loan HK$33.06M · min. income ≈ HK$320,474/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,561,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,743
−HK$9,062/mo
▼ 0.25% · 3.875%
HK$172,241
−HK$4,564/mo
Today · 4.125%
HK$176,805
baseline
▲ 0.50% · 4.625%
HK$186,125
+HK$9,320/mo
Deposit HK$3.67M · loan HK$33.06M · min. income ≈ HK$353,610/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$1,561,278 · Scale 2, in force from 26 Feb 2026)