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$86,714
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,411
−HK$2,741/mo
Today · 4.125%
HK$92,152
baseline
▲ 0.50% · 4.625%
HK$97,759
+HK$5,607/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$184,304/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,616,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,468
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$99,056
−HK$2,624/mo
Today · 4.125%
HK$101,680
baseline
▲ 0.50% · 4.625%
HK$107,040
+HK$5,360/mo
Deposit HK$19.01M · loan HK$19.01M · min. income ≈ HK$203,360/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,616,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,057
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$107,293
−HK$3,289/mo
Today · 4.125%
HK$110,582
baseline
▲ 0.50% · 4.625%
HK$117,311
+HK$6,729/mo
Deposit HK$15.21M · loan HK$22.82M · min. income ≈ HK$221,164/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,762
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$118,867
−HK$3,149/mo
Today · 4.125%
HK$122,016
baseline
▲ 0.50% · 4.625%
HK$128,448
+HK$6,432/mo
Deposit HK$15.21M · loan HK$22.82M · min. income ≈ HK$244,032/mo (50% DSR)
Upfront cash ≈ HK$16.83M (deposit + AVD stamp duty HK$1,616,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,399
−HK$7,613/mo
▼ 0.25% · 3.875%
HK$125,176
−HK$3,836/mo
Today · 4.125%
HK$129,012
baseline
▲ 0.50% · 4.625%
HK$136,862
+HK$7,850/mo
Deposit HK$11.41M · loan HK$26.62M · min. income ≈ HK$258,024/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,616,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,056
−HK$7,296/mo
▼ 0.25% · 3.875%
HK$138,678
−HK$3,674/mo
Today · 4.125%
HK$142,352
baseline
▲ 0.50% · 4.625%
HK$149,856
+HK$7,504/mo
Deposit HK$11.41M · loan HK$26.62M · min. income ≈ HK$284,704/mo (50% DSR)
Upfront cash ≈ HK$13.02M (deposit + AVD stamp duty HK$1,616,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,085
−HK$9,788/mo
▼ 0.25% · 3.875%
HK$160,940
−HK$4,933/mo
Today · 4.125%
HK$165,873
baseline
▲ 0.50% · 4.625%
HK$175,966
+HK$10,093/mo
Deposit HK$3.80M · loan HK$34.23M · min. income ≈ HK$331,746/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,643
−HK$9,381/mo
▼ 0.25% · 3.875%
HK$178,300
−HK$4,724/mo
Today · 4.125%
HK$183,024
baseline
▲ 0.50% · 4.625%
HK$192,672
+HK$9,648/mo
Deposit HK$3.80M · loan HK$34.23M · min. income ≈ HK$366,048/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,616,195 · Scale 2, in force from 26 Feb 2026)