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$88,008
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,746
−HK$2,781/mo
Today · 4.125%
HK$93,527
baseline
▲ 0.50% · 4.625%
HK$99,218
+HK$5,691/mo
Deposit HK$19.30M · loan HK$19.30M · min. income ≈ HK$187,054/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$1,640,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,908
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,534
−HK$2,664/mo
Today · 4.125%
HK$103,198
baseline
▲ 0.50% · 4.625%
HK$108,637
+HK$5,439/mo
Deposit HK$19.30M · loan HK$19.30M · min. income ≈ HK$206,396/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$1,640,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,610
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$108,895
−HK$3,337/mo
Today · 4.125%
HK$112,232
baseline
▲ 0.50% · 4.625%
HK$119,061
+HK$6,829/mo
Deposit HK$15.44M · loan HK$23.16M · min. income ≈ HK$224,464/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,490
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$120,641
−HK$3,196/mo
Today · 4.125%
HK$123,837
baseline
▲ 0.50% · 4.625%
HK$130,365
+HK$6,528/mo
Deposit HK$15.44M · loan HK$23.16M · min. income ≈ HK$247,674/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,211
−HK$7,727/mo
▼ 0.25% · 3.875%
HK$127,044
−HK$3,894/mo
Today · 4.125%
HK$130,938
baseline
▲ 0.50% · 4.625%
HK$138,905
+HK$7,967/mo
Deposit HK$11.58M · loan HK$27.02M · min. income ≈ HK$261,876/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,071
−HK$7,406/mo
▼ 0.25% · 3.875%
HK$140,747
−HK$3,730/mo
Today · 4.125%
HK$144,477
baseline
▲ 0.50% · 4.625%
HK$152,092
+HK$7,615/mo
Deposit HK$11.58M · loan HK$27.02M · min. income ≈ HK$288,954/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,414
−HK$9,934/mo
▼ 0.25% · 3.875%
HK$163,342
−HK$5,006/mo
Today · 4.125%
HK$168,348
baseline
▲ 0.50% · 4.625%
HK$178,592
+HK$10,244/mo
Deposit HK$3.86M · loan HK$34.74M · min. income ≈ HK$336,696/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,234
−HK$9,522/mo
▼ 0.25% · 3.875%
HK$180,961
−HK$4,795/mo
Today · 4.125%
HK$185,756
baseline
▲ 0.50% · 4.625%
HK$195,547
+HK$9,791/mo
Deposit HK$3.86M · loan HK$34.74M · min. income ≈ HK$371,512/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,316 · Scale 2, in force from 26 Feb 2026)