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$86,794
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$89,494
−HK$2,743/mo
Today · 4.125%
HK$92,237
baseline
▲ 0.50% · 4.625%
HK$97,850
+HK$5,613/mo
Deposit HK$19.03M · loan HK$19.03M · min. income ≈ HK$184,474/mo (50% DSR)
Upfront cash ≈ HK$20.65M (deposit + AVD stamp duty HK$1,617,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,558
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$99,147
−HK$2,628/mo
Today · 4.125%
HK$101,775
baseline
▲ 0.50% · 4.625%
HK$107,139
+HK$5,364/mo
Deposit HK$19.03M · loan HK$19.03M · min. income ≈ HK$203,550/mo (50% DSR)
Upfront cash ≈ HK$20.65M (deposit + AVD stamp duty HK$1,617,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,153
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$107,393
−HK$3,292/mo
Today · 4.125%
HK$110,685
baseline
▲ 0.50% · 4.625%
HK$117,419
+HK$6,734/mo
Deposit HK$15.23M · loan HK$22.84M · min. income ≈ HK$221,370/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,617,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,869
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$118,977
−HK$3,152/mo
Today · 4.125%
HK$122,129
baseline
▲ 0.50% · 4.625%
HK$128,567
+HK$6,438/mo
Deposit HK$15.23M · loan HK$22.84M · min. income ≈ HK$244,258/mo (50% DSR)
Upfront cash ≈ HK$16.84M (deposit + AVD stamp duty HK$1,617,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,512
−HK$7,620/mo
▼ 0.25% · 3.875%
HK$125,292
−HK$3,840/mo
Today · 4.125%
HK$129,132
baseline
▲ 0.50% · 4.625%
HK$136,989
+HK$7,857/mo
Deposit HK$11.42M · loan HK$26.64M · min. income ≈ HK$258,264/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,617,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,181
−HK$7,303/mo
▼ 0.25% · 3.875%
HK$138,806
−HK$3,678/mo
Today · 4.125%
HK$142,484
baseline
▲ 0.50% · 4.625%
HK$149,995
+HK$7,511/mo
Deposit HK$11.42M · loan HK$26.64M · min. income ≈ HK$284,968/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,617,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,230
−HK$9,797/mo
▼ 0.25% · 3.875%
HK$161,089
−HK$4,938/mo
Today · 4.125%
HK$166,027
baseline
▲ 0.50% · 4.625%
HK$176,129
+HK$10,102/mo
Deposit HK$3.81M · loan HK$34.26M · min. income ≈ HK$332,054/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,617,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,804
−HK$9,390/mo
▼ 0.25% · 3.875%
HK$178,465
−HK$4,729/mo
Today · 4.125%
HK$183,194
baseline
▲ 0.50% · 4.625%
HK$192,851
+HK$9,657/mo
Deposit HK$3.81M · loan HK$34.26M · min. income ≈ HK$366,388/mo (50% DSR)
Upfront cash ≈ HK$5.42M (deposit + AVD stamp duty HK$1,617,695 · Scale 2, in force from 26 Feb 2026)