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$85,012
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,656
−HK$2,687/mo
Today · 4.125%
HK$90,343
baseline
▲ 0.50% · 4.625%
HK$95,840
+HK$5,497/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$180,686/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,584,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,575
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,112
−HK$2,573/mo
Today · 4.125%
HK$99,685
baseline
▲ 0.50% · 4.625%
HK$104,939
+HK$5,254/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$199,370/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,584,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,014
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$105,188
−HK$3,224/mo
Today · 4.125%
HK$108,412
baseline
▲ 0.50% · 4.625%
HK$115,008
+HK$6,596/mo
Deposit HK$14.91M · loan HK$22.37M · min. income ≈ HK$216,824/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,584,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,490
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$116,534
−HK$3,088/mo
Today · 4.125%
HK$119,622
baseline
▲ 0.50% · 4.625%
HK$125,927
+HK$6,305/mo
Deposit HK$14.91M · loan HK$22.37M · min. income ≈ HK$239,244/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,584,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,017
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$122,719
−HK$3,761/mo
Today · 4.125%
HK$126,480
baseline
▲ 0.50% · 4.625%
HK$134,176
+HK$7,696/mo
Deposit HK$11.18M · loan HK$26.10M · min. income ≈ HK$252,960/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,405
−HK$7,154/mo
▼ 0.25% · 3.875%
HK$135,956
−HK$3,603/mo
Today · 4.125%
HK$139,559
baseline
▲ 0.50% · 4.625%
HK$146,915
+HK$7,356/mo
Deposit HK$11.18M · loan HK$26.10M · min. income ≈ HK$279,118/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,022
−HK$9,596/mo
▼ 0.25% · 3.875%
HK$157,782
−HK$4,836/mo
Today · 4.125%
HK$162,618
baseline
▲ 0.50% · 4.625%
HK$172,512
+HK$9,894/mo
Deposit HK$3.73M · loan HK$33.55M · min. income ≈ HK$325,236/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,235
−HK$9,197/mo
▼ 0.25% · 3.875%
HK$174,801
−HK$4,631/mo
Today · 4.125%
HK$179,432
baseline
▲ 0.50% · 4.625%
HK$188,891
+HK$9,459/mo
Deposit HK$3.73M · loan HK$33.55M · min. income ≈ HK$358,864/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,477 · Scale 2, in force from 26 Feb 2026)