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$86,521
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$89,213
−HK$2,734/mo
Today · 4.125%
HK$91,947
baseline
▲ 0.50% · 4.625%
HK$97,542
+HK$5,595/mo
Deposit HK$18.97M · loan HK$18.97M · min. income ≈ HK$183,894/mo (50% DSR)
Upfront cash ≈ HK$20.58M (deposit + AVD stamp duty HK$1,612,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,254
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$98,836
−HK$2,619/mo
Today · 4.125%
HK$101,455
baseline
▲ 0.50% · 4.625%
HK$106,802
+HK$5,347/mo
Deposit HK$18.97M · loan HK$18.97M · min. income ≈ HK$202,910/mo (50% DSR)
Upfront cash ≈ HK$20.58M (deposit + AVD stamp duty HK$1,612,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,826
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$107,055
−HK$3,282/mo
Today · 4.125%
HK$110,337
baseline
▲ 0.50% · 4.625%
HK$117,050
+HK$6,713/mo
Deposit HK$15.18M · loan HK$22.77M · min. income ≈ HK$220,674/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,612,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,505
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$118,603
−HK$3,143/mo
Today · 4.125%
HK$121,746
baseline
▲ 0.50% · 4.625%
HK$128,163
+HK$6,417/mo
Deposit HK$15.18M · loan HK$22.77M · min. income ≈ HK$243,492/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,612,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,130
−HK$7,596/mo
▼ 0.25% · 3.875%
HK$124,898
−HK$3,828/mo
Today · 4.125%
HK$128,726
baseline
▲ 0.50% · 4.625%
HK$136,559
+HK$7,833/mo
Deposit HK$11.38M · loan HK$26.56M · min. income ≈ HK$257,452/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,612,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,756
−HK$7,280/mo
▼ 0.25% · 3.875%
HK$138,370
−HK$3,666/mo
Today · 4.125%
HK$142,036
baseline
▲ 0.50% · 4.625%
HK$149,523
+HK$7,487/mo
Deposit HK$11.38M · loan HK$26.56M · min. income ≈ HK$284,072/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,612,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,739
−HK$9,766/mo
▼ 0.25% · 3.875%
HK$160,583
−HK$4,922/mo
Today · 4.125%
HK$165,505
baseline
▲ 0.50% · 4.625%
HK$175,575
+HK$10,070/mo
Deposit HK$3.79M · loan HK$34.15M · min. income ≈ HK$331,010/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,612,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,258
−HK$9,360/mo
▼ 0.25% · 3.875%
HK$177,904
−HK$4,714/mo
Today · 4.125%
HK$182,618
baseline
▲ 0.50% · 4.625%
HK$192,244
+HK$9,626/mo
Deposit HK$3.79M · loan HK$34.15M · min. income ≈ HK$365,236/mo (50% DSR)
Upfront cash ≈ HK$5.41M (deposit + AVD stamp duty HK$1,612,610 · Scale 2, in force from 26 Feb 2026)