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$83,944
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,555
−HK$2,653/mo
Today · 4.125%
HK$89,208
baseline
▲ 0.50% · 4.625%
HK$94,636
+HK$5,428/mo
Deposit HK$18.41M · loan HK$18.41M · min. income ≈ HK$178,416/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,387
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,891
−HK$2,541/mo
Today · 4.125%
HK$98,432
baseline
▲ 0.50% · 4.625%
HK$103,621
+HK$5,189/mo
Deposit HK$18.41M · loan HK$18.41M · min. income ≈ HK$196,864/mo (50% DSR)
Upfront cash ≈ HK$19.97M (deposit + AVD stamp duty HK$1,564,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,733
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$103,866
−HK$3,184/mo
Today · 4.125%
HK$107,050
baseline
▲ 0.50% · 4.625%
HK$113,563
+HK$6,513/mo
Deposit HK$14.73M · loan HK$22.09M · min. income ≈ HK$214,100/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,564,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,064
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$115,070
−HK$3,049/mo
Today · 4.125%
HK$118,119
baseline
▲ 0.50% · 4.625%
HK$124,345
+HK$6,226/mo
Deposit HK$14.73M · loan HK$22.09M · min. income ≈ HK$236,238/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,564,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,522
−HK$7,369/mo
▼ 0.25% · 3.875%
HK$121,177
−HK$3,714/mo
Today · 4.125%
HK$124,891
baseline
▲ 0.50% · 4.625%
HK$132,490
+HK$7,599/mo
Deposit HK$11.04M · loan HK$25.77M · min. income ≈ HK$249,782/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,564,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,741
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$134,248
−HK$3,557/mo
Today · 4.125%
HK$137,805
baseline
▲ 0.50% · 4.625%
HK$145,069
+HK$7,264/mo
Deposit HK$11.04M · loan HK$25.77M · min. income ≈ HK$275,610/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,564,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,099
−HK$9,475/mo
▼ 0.25% · 3.875%
HK$155,799
−HK$4,775/mo
Today · 4.125%
HK$160,574
baseline
▲ 0.50% · 4.625%
HK$170,345
+HK$9,771/mo
Deposit HK$3.68M · loan HK$33.13M · min. income ≈ HK$321,148/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,564,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,096
−HK$9,082/mo
▼ 0.25% · 3.875%
HK$172,604
−HK$4,574/mo
Today · 4.125%
HK$177,178
baseline
▲ 0.50% · 4.625%
HK$186,517
+HK$9,339/mo
Deposit HK$3.68M · loan HK$33.13M · min. income ≈ HK$354,356/mo (50% DSR)
Upfront cash ≈ HK$5.25M (deposit + AVD stamp duty HK$1,564,569 · Scale 2, in force from 26 Feb 2026)