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$86,889
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$89,592
−HK$2,746/mo
Today · 4.125%
HK$92,338
baseline
▲ 0.50% · 4.625%
HK$97,957
+HK$5,619/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$184,676/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,619,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,664
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$99,256
−HK$2,630/mo
Today · 4.125%
HK$101,886
baseline
▲ 0.50% · 4.625%
HK$107,256
+HK$5,370/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$203,772/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,619,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,267
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$107,511
−HK$3,295/mo
Today · 4.125%
HK$110,806
baseline
▲ 0.50% · 4.625%
HK$117,548
+HK$6,742/mo
Deposit HK$15.24M · loan HK$22.86M · min. income ≈ HK$221,612/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,996
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$119,107
−HK$3,156/mo
Today · 4.125%
HK$122,263
baseline
▲ 0.50% · 4.625%
HK$128,708
+HK$6,445/mo
Deposit HK$15.24M · loan HK$22.86M · min. income ≈ HK$244,526/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,645
−HK$7,628/mo
▼ 0.25% · 3.875%
HK$125,429
−HK$3,844/mo
Today · 4.125%
HK$129,273
baseline
▲ 0.50% · 4.625%
HK$137,139
+HK$7,866/mo
Deposit HK$11.43M · loan HK$26.67M · min. income ≈ HK$258,546/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,329
−HK$7,311/mo
▼ 0.25% · 3.875%
HK$138,958
−HK$3,682/mo
Today · 4.125%
HK$142,640
baseline
▲ 0.50% · 4.625%
HK$150,159
+HK$7,519/mo
Deposit HK$11.43M · loan HK$26.67M · min. income ≈ HK$285,280/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,401
−HK$9,808/mo
▼ 0.25% · 3.875%
HK$161,266
−HK$4,943/mo
Today · 4.125%
HK$166,209
baseline
▲ 0.50% · 4.625%
HK$176,322
+HK$10,113/mo
Deposit HK$3.81M · loan HK$34.29M · min. income ≈ HK$332,418/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,994
−HK$9,401/mo
▼ 0.25% · 3.875%
HK$178,661
−HK$4,734/mo
Today · 4.125%
HK$183,395
baseline
▲ 0.50% · 4.625%
HK$193,062
+HK$9,667/mo
Deposit HK$3.81M · loan HK$34.29M · min. income ≈ HK$366,790/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,466 · Scale 2, in force from 26 Feb 2026)