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$81,260
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,788
−HK$2,568/mo
Today · 4.125%
HK$86,356
baseline
▲ 0.50% · 4.625%
HK$91,610
+HK$5,254/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$172,712/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,514,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,401
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,826
−HK$2,459/mo
Today · 4.125%
HK$95,285
baseline
▲ 0.50% · 4.625%
HK$100,308
+HK$5,023/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$190,570/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,514,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,512
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$100,545
−HK$3,082/mo
Today · 4.125%
HK$103,627
baseline
▲ 0.50% · 4.625%
HK$109,933
+HK$6,306/mo
Deposit HK$14.25M · loan HK$21.38M · min. income ≈ HK$207,254/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,514,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,481
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$111,391
−HK$2,951/mo
Today · 4.125%
HK$114,342
baseline
▲ 0.50% · 4.625%
HK$120,369
+HK$6,027/mo
Deposit HK$14.25M · loan HK$21.38M · min. income ≈ HK$228,684/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,514,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,764
−HK$7,134/mo
▼ 0.25% · 3.875%
HK$117,303
−HK$3,595/mo
Today · 4.125%
HK$120,898
baseline
▲ 0.50% · 4.625%
HK$128,255
+HK$7,357/mo
Deposit HK$10.69M · loan HK$24.95M · min. income ≈ HK$241,796/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,514,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,562
−HK$6,837/mo
▼ 0.25% · 3.875%
HK$129,956
−HK$3,443/mo
Today · 4.125%
HK$133,399
baseline
▲ 0.50% · 4.625%
HK$140,431
+HK$7,032/mo
Deposit HK$10.69M · loan HK$24.95M · min. income ≈ HK$266,798/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,514,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,268
−HK$9,173/mo
▼ 0.25% · 3.875%
HK$150,818
−HK$4,623/mo
Today · 4.125%
HK$155,441
baseline
▲ 0.50% · 4.625%
HK$164,899
+HK$9,458/mo
Deposit HK$3.56M · loan HK$32.07M · min. income ≈ HK$310,882/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,722
−HK$8,791/mo
▼ 0.25% · 3.875%
HK$167,086
−HK$4,427/mo
Today · 4.125%
HK$171,513
baseline
▲ 0.50% · 4.625%
HK$180,554
+HK$9,041/mo
Deposit HK$3.56M · loan HK$32.07M · min. income ≈ HK$343,026/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,549 · Scale 2, in force from 26 Feb 2026)