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$80,577
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,084
−HK$2,546/mo
Today · 4.125%
HK$85,630
baseline
▲ 0.50% · 4.625%
HK$90,841
+HK$5,211/mo
Deposit HK$17.67M · loan HK$17.67M · min. income ≈ HK$171,260/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,501,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,642
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,046
−HK$2,439/mo
Today · 4.125%
HK$94,485
baseline
▲ 0.50% · 4.625%
HK$99,465
+HK$4,980/mo
Deposit HK$17.67M · loan HK$17.67M · min. income ≈ HK$188,970/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,501,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,693
−HK$6,063/mo
▼ 0.25% · 3.875%
HK$99,701
−HK$3,055/mo
Today · 4.125%
HK$102,756
baseline
▲ 0.50% · 4.625%
HK$109,009
+HK$6,253/mo
Deposit HK$14.13M · loan HK$21.20M · min. income ≈ HK$205,512/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,501,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,570
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$110,455
−HK$2,926/mo
Today · 4.125%
HK$113,381
baseline
▲ 0.50% · 4.625%
HK$119,358
+HK$5,977/mo
Deposit HK$14.13M · loan HK$21.20M · min. income ≈ HK$226,762/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,501,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,808
−HK$7,074/mo
▼ 0.25% · 3.875%
HK$116,317
−HK$3,565/mo
Today · 4.125%
HK$119,882
baseline
▲ 0.50% · 4.625%
HK$127,177
+HK$7,295/mo
Deposit HK$10.60M · loan HK$24.74M · min. income ≈ HK$239,764/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,501,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,498
−HK$6,780/mo
▼ 0.25% · 3.875%
HK$128,864
−HK$3,414/mo
Today · 4.125%
HK$132,278
baseline
▲ 0.50% · 4.625%
HK$139,251
+HK$6,973/mo
Deposit HK$10.60M · loan HK$24.74M · min. income ≈ HK$264,556/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,501,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,039
−HK$9,096/mo
▼ 0.25% · 3.875%
HK$149,551
−HK$4,584/mo
Today · 4.125%
HK$154,135
baseline
▲ 0.50% · 4.625%
HK$163,513
+HK$9,378/mo
Deposit HK$3.53M · loan HK$31.80M · min. income ≈ HK$308,270/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,501,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,355
−HK$8,717/mo
▼ 0.25% · 3.875%
HK$165,682
−HK$4,390/mo
Today · 4.125%
HK$170,072
baseline
▲ 0.50% · 4.625%
HK$179,037
+HK$8,965/mo
Deposit HK$3.53M · loan HK$31.80M · min. income ≈ HK$340,144/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,501,822 · Scale 2, in force from 26 Feb 2026)