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$84,106
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,722
−HK$2,658/mo
Today · 4.125%
HK$89,380
baseline
▲ 0.50% · 4.625%
HK$94,819
+HK$5,439/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$178,760/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,567
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,076
−HK$2,546/mo
Today · 4.125%
HK$98,622
baseline
▲ 0.50% · 4.625%
HK$103,821
+HK$5,199/mo
Deposit HK$18.44M · loan HK$18.44M · min. income ≈ HK$197,244/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,567,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,927
−HK$6,329/mo
▼ 0.25% · 3.875%
HK$104,067
−HK$3,189/mo
Today · 4.125%
HK$107,256
baseline
▲ 0.50% · 4.625%
HK$113,782
+HK$6,526/mo
Deposit HK$14.75M · loan HK$22.13M · min. income ≈ HK$214,512/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,280
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,292
−HK$3,055/mo
Today · 4.125%
HK$118,347
baseline
▲ 0.50% · 4.625%
HK$124,585
+HK$6,238/mo
Deposit HK$14.75M · loan HK$22.13M · min. income ≈ HK$236,694/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,567,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,748
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$121,411
−HK$3,721/mo
Today · 4.125%
HK$125,132
baseline
▲ 0.50% · 4.625%
HK$132,746
+HK$7,614/mo
Deposit HK$11.07M · loan HK$25.82M · min. income ≈ HK$250,264/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,994
−HK$7,077/mo
▼ 0.25% · 3.875%
HK$134,507
−HK$3,564/mo
Today · 4.125%
HK$138,071
baseline
▲ 0.50% · 4.625%
HK$145,349
+HK$7,278/mo
Deposit HK$11.07M · loan HK$25.82M · min. income ≈ HK$276,142/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,567,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,391
−HK$9,493/mo
▼ 0.25% · 3.875%
HK$156,100
−HK$4,784/mo
Today · 4.125%
HK$160,884
baseline
▲ 0.50% · 4.625%
HK$170,674
+HK$9,790/mo
Deposit HK$3.69M · loan HK$33.20M · min. income ≈ HK$321,768/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,567,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,421
−HK$9,099/mo
▼ 0.25% · 3.875%
HK$172,938
−HK$4,582/mo
Today · 4.125%
HK$177,520
baseline
▲ 0.50% · 4.625%
HK$186,877
+HK$9,357/mo
Deposit HK$3.69M · loan HK$33.20M · min. income ≈ HK$355,040/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,567,589 · Scale 2, in force from 26 Feb 2026)