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$85,779
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$88,447
−HK$2,711/mo
Today · 4.125%
HK$91,158
baseline
▲ 0.50% · 4.625%
HK$96,704
+HK$5,546/mo
Deposit HK$18.81M · loan HK$18.81M · min. income ≈ HK$182,316/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,598,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,428
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,987
−HK$2,596/mo
Today · 4.125%
HK$100,583
baseline
▲ 0.50% · 4.625%
HK$105,885
+HK$5,302/mo
Deposit HK$18.81M · loan HK$18.81M · min. income ≈ HK$201,166/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,598,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,934
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$106,136
−HK$3,253/mo
Today · 4.125%
HK$109,389
baseline
▲ 0.50% · 4.625%
HK$116,045
+HK$6,656/mo
Deposit HK$15.05M · loan HK$22.57M · min. income ≈ HK$218,778/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,598,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,513
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$117,585
−HK$3,115/mo
Today · 4.125%
HK$120,700
baseline
▲ 0.50% · 4.625%
HK$127,062
+HK$6,362/mo
Deposit HK$15.05M · loan HK$22.57M · min. income ≈ HK$241,400/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,598,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,090
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$123,825
−HK$3,796/mo
Today · 4.125%
HK$127,621
baseline
▲ 0.50% · 4.625%
HK$135,386
+HK$7,765/mo
Deposit HK$11.29M · loan HK$26.33M · min. income ≈ HK$255,242/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,599
−HK$7,218/mo
▼ 0.25% · 3.875%
HK$137,182
−HK$3,635/mo
Today · 4.125%
HK$140,817
baseline
▲ 0.50% · 4.625%
HK$148,239
+HK$7,422/mo
Deposit HK$11.29M · loan HK$26.33M · min. income ≈ HK$281,634/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,598,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,401
−HK$9,683/mo
▼ 0.25% · 3.875%
HK$159,204
−HK$4,880/mo
Today · 4.125%
HK$164,084
baseline
▲ 0.50% · 4.625%
HK$174,068
+HK$9,984/mo
Deposit HK$3.76M · loan HK$33.86M · min. income ≈ HK$328,168/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,770
−HK$9,280/mo
▼ 0.25% · 3.875%
HK$176,377
−HK$4,673/mo
Today · 4.125%
HK$181,050
baseline
▲ 0.50% · 4.625%
HK$190,594
+HK$9,544/mo
Deposit HK$3.76M · loan HK$33.86M · min. income ≈ HK$362,100/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,598,763 · Scale 2, in force from 26 Feb 2026)