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$87,670
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$90,397
−HK$2,771/mo
Today · 4.125%
HK$93,168
baseline
▲ 0.50% · 4.625%
HK$98,837
+HK$5,669/mo
Deposit HK$19.22M · loan HK$19.22M · min. income ≈ HK$186,336/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,532
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,148
−HK$2,654/mo
Today · 4.125%
HK$102,802
baseline
▲ 0.50% · 4.625%
HK$108,220
+HK$5,418/mo
Deposit HK$19.22M · loan HK$19.22M · min. income ≈ HK$205,604/mo (50% DSR)
Upfront cash ≈ HK$20.86M (deposit + AVD stamp duty HK$1,634,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,204
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$108,477
−HK$3,324/mo
Today · 4.125%
HK$111,801
baseline
▲ 0.50% · 4.625%
HK$118,604
+HK$6,803/mo
Deposit HK$15.38M · loan HK$23.07M · min. income ≈ HK$223,602/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,634,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,039
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$120,178
−HK$3,184/mo
Today · 4.125%
HK$123,362
baseline
▲ 0.50% · 4.625%
HK$129,864
+HK$6,502/mo
Deposit HK$15.38M · loan HK$23.07M · min. income ≈ HK$246,724/mo (50% DSR)
Upfront cash ≈ HK$17.01M (deposit + AVD stamp duty HK$1,634,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,738
−HK$7,697/mo
▼ 0.25% · 3.875%
HK$126,556
−HK$3,879/mo
Today · 4.125%
HK$130,435
baseline
▲ 0.50% · 4.625%
HK$138,372
+HK$7,937/mo
Deposit HK$11.53M · loan HK$26.91M · min. income ≈ HK$260,870/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,545
−HK$7,377/mo
▼ 0.25% · 3.875%
HK$140,207
−HK$3,715/mo
Today · 4.125%
HK$143,922
baseline
▲ 0.50% · 4.625%
HK$151,509
+HK$7,587/mo
Deposit HK$11.53M · loan HK$26.91M · min. income ≈ HK$287,844/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,634,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,806
−HK$9,896/mo
▼ 0.25% · 3.875%
HK$162,715
−HK$4,987/mo
Today · 4.125%
HK$167,702
baseline
▲ 0.50% · 4.625%
HK$177,906
+HK$10,204/mo
Deposit HK$3.84M · loan HK$34.60M · min. income ≈ HK$335,404/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,558
−HK$9,485/mo
▼ 0.25% · 3.875%
HK$180,266
−HK$4,777/mo
Today · 4.125%
HK$185,043
baseline
▲ 0.50% · 4.625%
HK$194,797
+HK$9,754/mo
Deposit HK$3.84M · loan HK$34.60M · min. income ≈ HK$370,086/mo (50% DSR)
Upfront cash ≈ HK$5.48M (deposit + AVD stamp duty HK$1,634,020 · Scale 2, in force from 26 Feb 2026)