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$86,880
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$89,583
−HK$2,745/mo
Today · 4.125%
HK$92,328
baseline
▲ 0.50% · 4.625%
HK$97,946
+HK$5,618/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$184,656/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,619,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,653
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$99,245
−HK$2,630/mo
Today · 4.125%
HK$101,875
baseline
▲ 0.50% · 4.625%
HK$107,245
+HK$5,370/mo
Deposit HK$19.05M · loan HK$19.05M · min. income ≈ HK$203,750/mo (50% DSR)
Upfront cash ≈ HK$20.67M (deposit + AVD stamp duty HK$1,619,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,256
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$107,499
−HK$3,295/mo
Today · 4.125%
HK$110,794
baseline
▲ 0.50% · 4.625%
HK$117,535
+HK$6,741/mo
Deposit HK$15.24M · loan HK$22.86M · min. income ≈ HK$221,588/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,984
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$119,095
−HK$3,155/mo
Today · 4.125%
HK$122,250
baseline
▲ 0.50% · 4.625%
HK$128,694
+HK$6,444/mo
Deposit HK$15.24M · loan HK$22.86M · min. income ≈ HK$244,500/mo (50% DSR)
Upfront cash ≈ HK$16.86M (deposit + AVD stamp duty HK$1,619,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,632
−HK$7,628/mo
▼ 0.25% · 3.875%
HK$125,416
−HK$3,844/mo
Today · 4.125%
HK$129,260
baseline
▲ 0.50% · 4.625%
HK$137,125
+HK$7,865/mo
Deposit HK$11.43M · loan HK$26.67M · min. income ≈ HK$258,520/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,315
−HK$7,310/mo
▼ 0.25% · 3.875%
HK$138,944
−HK$3,681/mo
Today · 4.125%
HK$142,625
baseline
▲ 0.50% · 4.625%
HK$150,143
+HK$7,518/mo
Deposit HK$11.43M · loan HK$26.67M · min. income ≈ HK$285,250/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,619,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,384
−HK$9,807/mo
▼ 0.25% · 3.875%
HK$161,249
−HK$4,942/mo
Today · 4.125%
HK$166,191
baseline
▲ 0.50% · 4.625%
HK$176,303
+HK$10,112/mo
Deposit HK$3.81M · loan HK$34.29M · min. income ≈ HK$332,382/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,976
−HK$9,399/mo
▼ 0.25% · 3.875%
HK$178,642
−HK$4,733/mo
Today · 4.125%
HK$183,375
baseline
▲ 0.50% · 4.625%
HK$193,041
+HK$9,666/mo
Deposit HK$3.81M · loan HK$34.29M · min. income ≈ HK$366,750/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,619,295 · Scale 2, in force from 26 Feb 2026)