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$83,780
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,386
−HK$2,648/mo
Today · 4.125%
HK$89,034
baseline
▲ 0.50% · 4.625%
HK$94,451
+HK$5,417/mo
Deposit HK$18.37M · loan HK$18.37M · min. income ≈ HK$178,068/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,561,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,205
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,704
−HK$2,536/mo
Today · 4.125%
HK$98,240
baseline
▲ 0.50% · 4.625%
HK$103,418
+HK$5,178/mo
Deposit HK$18.37M · loan HK$18.37M · min. income ≈ HK$196,480/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,561,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,536
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$103,663
−HK$3,178/mo
Today · 4.125%
HK$106,841
baseline
▲ 0.50% · 4.625%
HK$113,342
+HK$6,501/mo
Deposit HK$14.70M · loan HK$22.04M · min. income ≈ HK$213,682/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,561,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,845
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$114,845
−HK$3,043/mo
Today · 4.125%
HK$117,888
baseline
▲ 0.50% · 4.625%
HK$124,102
+HK$6,214/mo
Deposit HK$14.70M · loan HK$22.04M · min. income ≈ HK$235,776/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$1,561,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,292
−HK$7,355/mo
▼ 0.25% · 3.875%
HK$120,941
−HK$3,706/mo
Today · 4.125%
HK$124,647
baseline
▲ 0.50% · 4.625%
HK$132,232
+HK$7,585/mo
Deposit HK$11.02M · loan HK$25.72M · min. income ≈ HK$249,294/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,561,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,486
−HK$7,050/mo
▼ 0.25% · 3.875%
HK$133,986
−HK$3,550/mo
Today · 4.125%
HK$137,536
baseline
▲ 0.50% · 4.625%
HK$144,786
+HK$7,250/mo
Deposit HK$11.02M · loan HK$25.72M · min. income ≈ HK$275,072/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,561,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,804
−HK$9,457/mo
▼ 0.25% · 3.875%
HK$155,495
−HK$4,766/mo
Today · 4.125%
HK$160,261
baseline
▲ 0.50% · 4.625%
HK$170,012
+HK$9,751/mo
Deposit HK$3.67M · loan HK$33.07M · min. income ≈ HK$320,522/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,561,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,768
−HK$9,064/mo
▼ 0.25% · 3.875%
HK$172,268
−HK$4,564/mo
Today · 4.125%
HK$176,832
baseline
▲ 0.50% · 4.625%
HK$186,153
+HK$9,321/mo
Deposit HK$3.67M · loan HK$33.07M · min. income ≈ HK$353,664/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$1,561,515 · Scale 2, in force from 26 Feb 2026)