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$84,990
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$87,633
−HK$2,686/mo
Today · 4.125%
HK$90,319
baseline
▲ 0.50% · 4.625%
HK$95,815
+HK$5,496/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$180,638/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,584,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,550
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$97,086
−HK$2,572/mo
Today · 4.125%
HK$99,658
baseline
▲ 0.50% · 4.625%
HK$104,911
+HK$5,253/mo
Deposit HK$18.64M · loan HK$18.64M · min. income ≈ HK$199,316/mo (50% DSR)
Upfront cash ≈ HK$20.22M (deposit + AVD stamp duty HK$1,584,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,987
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$105,160
−HK$3,223/mo
Today · 4.125%
HK$108,383
baseline
▲ 0.50% · 4.625%
HK$114,978
+HK$6,595/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$216,766/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,584,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,460
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$116,503
−HK$3,087/mo
Today · 4.125%
HK$119,590
baseline
▲ 0.50% · 4.625%
HK$125,894
+HK$6,304/mo
Deposit HK$14.91M · loan HK$22.36M · min. income ≈ HK$239,180/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,584,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,985
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$122,687
−HK$3,760/mo
Today · 4.125%
HK$126,447
baseline
▲ 0.50% · 4.625%
HK$134,141
+HK$7,694/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$252,894/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,370
−HK$7,152/mo
▼ 0.25% · 3.875%
HK$135,920
−HK$3,602/mo
Today · 4.125%
HK$139,522
baseline
▲ 0.50% · 4.625%
HK$146,876
+HK$7,354/mo
Deposit HK$11.18M · loan HK$26.09M · min. income ≈ HK$279,044/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,584,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,981
−HK$9,593/mo
▼ 0.25% · 3.875%
HK$157,740
−HK$4,834/mo
Today · 4.125%
HK$162,574
baseline
▲ 0.50% · 4.625%
HK$172,467
+HK$9,893/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$325,148/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,190
−HK$9,195/mo
▼ 0.25% · 3.875%
HK$174,754
−HK$4,631/mo
Today · 4.125%
HK$179,385
baseline
▲ 0.50% · 4.625%
HK$188,841
+HK$9,456/mo
Deposit HK$3.73M · loan HK$33.54M · min. income ≈ HK$358,770/mo (50% DSR)
Upfront cash ≈ HK$5.31M (deposit + AVD stamp duty HK$1,584,058 · Scale 2, in force from 26 Feb 2026)