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$87,996
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$90,733
−HK$2,781/mo
Today · 4.125%
HK$93,514
baseline
▲ 0.50% · 4.625%
HK$99,204
+HK$5,690/mo
Deposit HK$19.30M · loan HK$19.30M · min. income ≈ HK$187,028/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$1,640,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,895
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,520
−HK$2,664/mo
Today · 4.125%
HK$103,184
baseline
▲ 0.50% · 4.625%
HK$108,623
+HK$5,439/mo
Deposit HK$19.30M · loan HK$19.30M · min. income ≈ HK$206,368/mo (50% DSR)
Upfront cash ≈ HK$20.94M (deposit + AVD stamp duty HK$1,640,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,595
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$108,880
−HK$3,337/mo
Today · 4.125%
HK$112,217
baseline
▲ 0.50% · 4.625%
HK$119,045
+HK$6,828/mo
Deposit HK$15.44M · loan HK$23.15M · min. income ≈ HK$224,434/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,474
−HK$6,347/mo
▼ 0.25% · 3.875%
HK$120,624
−HK$3,197/mo
Today · 4.125%
HK$123,821
baseline
▲ 0.50% · 4.625%
HK$130,347
+HK$6,526/mo
Deposit HK$15.44M · loan HK$23.15M · min. income ≈ HK$247,642/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,640,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,195
−HK$7,725/mo
▼ 0.25% · 3.875%
HK$127,027
−HK$3,893/mo
Today · 4.125%
HK$130,920
baseline
▲ 0.50% · 4.625%
HK$138,886
+HK$7,966/mo
Deposit HK$11.58M · loan HK$27.01M · min. income ≈ HK$261,840/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,053
−HK$7,404/mo
▼ 0.25% · 3.875%
HK$140,729
−HK$3,728/mo
Today · 4.125%
HK$144,457
baseline
▲ 0.50% · 4.625%
HK$152,072
+HK$7,615/mo
Deposit HK$11.58M · loan HK$27.01M · min. income ≈ HK$288,914/mo (50% DSR)
Upfront cash ≈ HK$13.22M (deposit + AVD stamp duty HK$1,640,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,393
−HK$9,933/mo
▼ 0.25% · 3.875%
HK$163,320
−HK$5,006/mo
Today · 4.125%
HK$168,326
baseline
▲ 0.50% · 4.625%
HK$178,568
+HK$10,242/mo
Deposit HK$3.86M · loan HK$34.73M · min. income ≈ HK$336,652/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,211
−HK$9,520/mo
▼ 0.25% · 3.875%
HK$180,937
−HK$4,794/mo
Today · 4.125%
HK$185,731
baseline
▲ 0.50% · 4.625%
HK$195,521
+HK$9,790/mo
Deposit HK$3.86M · loan HK$34.73M · min. income ≈ HK$371,462/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,640,096 · Scale 2, in force from 26 Feb 2026)