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$80,513
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,017
−HK$2,545/mo
Today · 4.125%
HK$85,562
baseline
▲ 0.50% · 4.625%
HK$90,768
+HK$5,206/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$171,124/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,500,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,570
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$91,972
−HK$2,437/mo
Today · 4.125%
HK$94,409
baseline
▲ 0.50% · 4.625%
HK$99,385
+HK$4,976/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$188,818/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,500,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,615
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$99,621
−HK$3,053/mo
Today · 4.125%
HK$102,674
baseline
▲ 0.50% · 4.625%
HK$108,922
+HK$6,248/mo
Deposit HK$14.12M · loan HK$21.19M · min. income ≈ HK$205,348/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,500,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,484
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$110,366
−HK$2,925/mo
Today · 4.125%
HK$113,291
baseline
▲ 0.50% · 4.625%
HK$119,262
+HK$5,971/mo
Deposit HK$14.12M · loan HK$21.19M · min. income ≈ HK$226,582/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,500,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,718
−HK$7,068/mo
▼ 0.25% · 3.875%
HK$116,224
−HK$3,562/mo
Today · 4.125%
HK$119,786
baseline
▲ 0.50% · 4.625%
HK$127,075
+HK$7,289/mo
Deposit HK$10.59M · loan HK$24.72M · min. income ≈ HK$239,572/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,398
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$128,761
−HK$3,411/mo
Today · 4.125%
HK$132,172
baseline
▲ 0.50% · 4.625%
HK$139,139
+HK$6,967/mo
Deposit HK$10.59M · loan HK$24.72M · min. income ≈ HK$264,344/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,923
−HK$9,088/mo
▼ 0.25% · 3.875%
HK$149,431
−HK$4,580/mo
Today · 4.125%
HK$154,011
baseline
▲ 0.50% · 4.625%
HK$163,382
+HK$9,371/mo
Deposit HK$3.53M · loan HK$31.78M · min. income ≈ HK$308,022/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,226
−HK$8,710/mo
▼ 0.25% · 3.875%
HK$165,549
−HK$4,387/mo
Today · 4.125%
HK$169,936
baseline
▲ 0.50% · 4.625%
HK$178,894
+HK$8,958/mo
Deposit HK$3.53M · loan HK$31.78M · min. income ≈ HK$339,872/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,619 · Scale 2, in force from 26 Feb 2026)