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$87,456
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$90,176
−HK$2,764/mo
Today · 4.125%
HK$92,940
baseline
▲ 0.50% · 4.625%
HK$98,595
+HK$5,655/mo
Deposit HK$19.18M · loan HK$19.18M · min. income ≈ HK$185,880/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,630,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,294
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$99,903
−HK$2,647/mo
Today · 4.125%
HK$102,550
baseline
▲ 0.50% · 4.625%
HK$107,956
+HK$5,406/mo
Deposit HK$19.18M · loan HK$19.18M · min. income ≈ HK$205,100/mo (50% DSR)
Upfront cash ≈ HK$20.81M (deposit + AVD stamp duty HK$1,630,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,947
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$108,211
−HK$3,317/mo
Today · 4.125%
HK$111,528
baseline
▲ 0.50% · 4.625%
HK$118,314
+HK$6,786/mo
Deposit HK$15.34M · loan HK$23.01M · min. income ≈ HK$223,056/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,630,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,752
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$119,884
−HK$3,176/mo
Today · 4.125%
HK$123,060
baseline
▲ 0.50% · 4.625%
HK$129,547
+HK$6,487/mo
Deposit HK$15.34M · loan HK$23.01M · min. income ≈ HK$246,120/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$1,630,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,438
−HK$7,678/mo
▼ 0.25% · 3.875%
HK$126,247
−HK$3,869/mo
Today · 4.125%
HK$130,116
baseline
▲ 0.50% · 4.625%
HK$138,033
+HK$7,917/mo
Deposit HK$11.51M · loan HK$26.85M · min. income ≈ HK$260,232/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,211
−HK$7,359/mo
▼ 0.25% · 3.875%
HK$139,864
−HK$3,706/mo
Today · 4.125%
HK$143,570
baseline
▲ 0.50% · 4.625%
HK$151,138
+HK$7,568/mo
Deposit HK$11.51M · loan HK$26.85M · min. income ≈ HK$287,140/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,630,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,420
−HK$9,872/mo
▼ 0.25% · 3.875%
HK$162,317
−HK$4,975/mo
Today · 4.125%
HK$167,292
baseline
▲ 0.50% · 4.625%
HK$177,471
+HK$10,179/mo
Deposit HK$3.84M · loan HK$34.52M · min. income ≈ HK$334,584/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,129
−HK$9,461/mo
▼ 0.25% · 3.875%
HK$179,826
−HK$4,764/mo
Today · 4.125%
HK$184,590
baseline
▲ 0.50% · 4.625%
HK$194,320
+HK$9,730/mo
Deposit HK$3.84M · loan HK$34.52M · min. income ≈ HK$369,180/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,630,025 · Scale 2, in force from 26 Feb 2026)