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$85,723
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$88,390
−HK$2,709/mo
Today · 4.125%
HK$91,099
baseline
▲ 0.50% · 4.625%
HK$96,642
+HK$5,543/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$182,198/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,366
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$97,924
−HK$2,595/mo
Today · 4.125%
HK$100,519
baseline
▲ 0.50% · 4.625%
HK$105,817
+HK$5,298/mo
Deposit HK$18.80M · loan HK$18.80M · min. income ≈ HK$201,038/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,597,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,868
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$106,068
−HK$3,251/mo
Today · 4.125%
HK$109,319
baseline
▲ 0.50% · 4.625%
HK$115,971
+HK$6,652/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$218,638/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,597,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,440
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$117,509
−HK$3,113/mo
Today · 4.125%
HK$120,622
baseline
▲ 0.50% · 4.625%
HK$126,981
+HK$6,359/mo
Deposit HK$15.04M · loan HK$22.56M · min. income ≈ HK$241,244/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,597,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,013
−HK$7,526/mo
▼ 0.25% · 3.875%
HK$123,746
−HK$3,793/mo
Today · 4.125%
HK$127,539
baseline
▲ 0.50% · 4.625%
HK$135,299
+HK$7,760/mo
Deposit HK$11.28M · loan HK$26.32M · min. income ≈ HK$255,078/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,597,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,513
−HK$7,213/mo
▼ 0.25% · 3.875%
HK$137,094
−HK$3,632/mo
Today · 4.125%
HK$140,726
baseline
▲ 0.50% · 4.625%
HK$148,144
+HK$7,418/mo
Deposit HK$11.28M · loan HK$26.32M · min. income ≈ HK$281,452/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,597,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,302
−HK$9,676/mo
▼ 0.25% · 3.875%
HK$159,102
−HK$4,876/mo
Today · 4.125%
HK$163,978
baseline
▲ 0.50% · 4.625%
HK$173,956
+HK$9,978/mo
Deposit HK$3.76M · loan HK$33.83M · min. income ≈ HK$327,956/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,659
−HK$9,275/mo
▼ 0.25% · 3.875%
HK$176,263
−HK$4,671/mo
Today · 4.125%
HK$180,934
baseline
▲ 0.50% · 4.625%
HK$190,471
+HK$9,537/mo
Deposit HK$3.76M · loan HK$33.83M · min. income ≈ HK$361,868/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$1,597,734 · Scale 2, in force from 26 Feb 2026)