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$87,335
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,052
−HK$2,760/mo
Today · 4.125%
HK$92,812
baseline
▲ 0.50% · 4.625%
HK$98,459
+HK$5,647/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$185,624/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,627,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,159
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,765
−HK$2,644/mo
Today · 4.125%
HK$102,409
baseline
▲ 0.50% · 4.625%
HK$107,807
+HK$5,398/mo
Deposit HK$19.15M · loan HK$19.15M · min. income ≈ HK$204,818/mo (50% DSR)
Upfront cash ≈ HK$20.78M (deposit + AVD stamp duty HK$1,627,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,802
−HK$6,572/mo
▼ 0.25% · 3.875%
HK$108,062
−HK$3,312/mo
Today · 4.125%
HK$111,374
baseline
▲ 0.50% · 4.625%
HK$118,151
+HK$6,777/mo
Deposit HK$15.32M · loan HK$22.98M · min. income ≈ HK$222,748/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,627,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,591
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$119,718
−HK$3,172/mo
Today · 4.125%
HK$122,890
baseline
▲ 0.50% · 4.625%
HK$129,368
+HK$6,478/mo
Deposit HK$15.32M · loan HK$22.98M · min. income ≈ HK$245,780/mo (50% DSR)
Upfront cash ≈ HK$16.95M (deposit + AVD stamp duty HK$1,627,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,269
−HK$7,667/mo
▼ 0.25% · 3.875%
HK$126,072
−HK$3,864/mo
Today · 4.125%
HK$129,936
baseline
▲ 0.50% · 4.625%
HK$137,843
+HK$7,907/mo
Deposit HK$11.49M · loan HK$26.81M · min. income ≈ HK$259,872/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,627,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,023
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$139,671
−HK$3,701/mo
Today · 4.125%
HK$143,372
baseline
▲ 0.50% · 4.625%
HK$150,929
+HK$7,557/mo
Deposit HK$11.49M · loan HK$26.81M · min. income ≈ HK$286,744/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,627,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,203
−HK$9,858/mo
▼ 0.25% · 3.875%
HK$162,093
−HK$4,968/mo
Today · 4.125%
HK$167,061
baseline
▲ 0.50% · 4.625%
HK$177,226
+HK$10,165/mo
Deposit HK$3.83M · loan HK$34.47M · min. income ≈ HK$334,122/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,887
−HK$9,449/mo
▼ 0.25% · 3.875%
HK$179,577
−HK$4,759/mo
Today · 4.125%
HK$184,336
baseline
▲ 0.50% · 4.625%
HK$194,052
+HK$9,716/mo
Deposit HK$3.83M · loan HK$34.47M · min. income ≈ HK$368,672/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$1,627,774 · Scale 2, in force from 26 Feb 2026)