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$86,477
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$89,167
−HK$2,733/mo
Today · 4.125%
HK$91,900
baseline
▲ 0.50% · 4.625%
HK$97,492
+HK$5,592/mo
Deposit HK$18.96M · loan HK$18.96M · min. income ≈ HK$183,800/mo (50% DSR)
Upfront cash ≈ HK$20.57M (deposit + AVD stamp duty HK$1,611,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,205
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$98,785
−HK$2,617/mo
Today · 4.125%
HK$101,402
baseline
▲ 0.50% · 4.625%
HK$106,747
+HK$5,345/mo
Deposit HK$18.96M · loan HK$18.96M · min. income ≈ HK$202,804/mo (50% DSR)
Upfront cash ≈ HK$20.57M (deposit + AVD stamp duty HK$1,611,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,772
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$107,000
−HK$3,280/mo
Today · 4.125%
HK$110,280
baseline
▲ 0.50% · 4.625%
HK$116,990
+HK$6,710/mo
Deposit HK$15.17M · loan HK$22.75M · min. income ≈ HK$220,560/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,611,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,446
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$118,542
−HK$3,141/mo
Today · 4.125%
HK$121,683
baseline
▲ 0.50% · 4.625%
HK$128,097
+HK$6,414/mo
Deposit HK$15.17M · loan HK$22.75M · min. income ≈ HK$243,366/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,611,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,068
−HK$7,592/mo
▼ 0.25% · 3.875%
HK$124,833
−HK$3,827/mo
Today · 4.125%
HK$128,660
baseline
▲ 0.50% · 4.625%
HK$136,488
+HK$7,828/mo
Deposit HK$11.38M · loan HK$26.55M · min. income ≈ HK$257,320/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,611,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,686
−HK$7,277/mo
▼ 0.25% · 3.875%
HK$138,299
−HK$3,664/mo
Today · 4.125%
HK$141,963
baseline
▲ 0.50% · 4.625%
HK$149,446
+HK$7,483/mo
Deposit HK$11.38M · loan HK$26.55M · min. income ≈ HK$283,926/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,611,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,658
−HK$9,761/mo
▼ 0.25% · 3.875%
HK$160,500
−HK$4,919/mo
Today · 4.125%
HK$165,419
baseline
▲ 0.50% · 4.625%
HK$175,485
+HK$10,066/mo
Deposit HK$3.79M · loan HK$34.13M · min. income ≈ HK$330,838/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,611,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,168
−HK$9,356/mo
▼ 0.25% · 3.875%
HK$177,813
−HK$4,711/mo
Today · 4.125%
HK$182,524
baseline
▲ 0.50% · 4.625%
HK$192,145
+HK$9,621/mo
Deposit HK$3.79M · loan HK$34.13M · min. income ≈ HK$365,048/mo (50% DSR)
Upfront cash ≈ HK$5.40M (deposit + AVD stamp duty HK$1,611,778 · Scale 2, in force from 26 Feb 2026)