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$84,213
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,832
−HK$2,662/mo
Today · 4.125%
HK$89,494
baseline
▲ 0.50% · 4.625%
HK$94,939
+HK$5,445/mo
Deposit HK$18.47M · loan HK$18.47M · min. income ≈ HK$178,988/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,569,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,686
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,199
−HK$2,549/mo
Today · 4.125%
HK$98,748
baseline
▲ 0.50% · 4.625%
HK$103,953
+HK$5,205/mo
Deposit HK$18.47M · loan HK$18.47M · min. income ≈ HK$197,496/mo (50% DSR)
Upfront cash ≈ HK$20.04M (deposit + AVD stamp duty HK$1,569,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,056
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$104,199
−HK$3,194/mo
Today · 4.125%
HK$107,393
baseline
▲ 0.50% · 4.625%
HK$113,927
+HK$6,534/mo
Deposit HK$14.77M · loan HK$22.16M · min. income ≈ HK$214,786/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,569,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,423
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$115,438
−HK$3,059/mo
Today · 4.125%
HK$118,497
baseline
▲ 0.50% · 4.625%
HK$124,743
+HK$6,246/mo
Deposit HK$14.77M · loan HK$22.16M · min. income ≈ HK$236,994/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,569,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,898
−HK$7,393/mo
▼ 0.25% · 3.875%
HK$121,565
−HK$3,726/mo
Today · 4.125%
HK$125,291
baseline
▲ 0.50% · 4.625%
HK$132,915
+HK$7,624/mo
Deposit HK$11.08M · loan HK$25.85M · min. income ≈ HK$250,582/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,569,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,160
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$134,678
−HK$3,569/mo
Today · 4.125%
HK$138,247
baseline
▲ 0.50% · 4.625%
HK$145,534
+HK$7,287/mo
Deposit HK$11.08M · loan HK$25.85M · min. income ≈ HK$276,494/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,569,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,583
−HK$9,506/mo
▼ 0.25% · 3.875%
HK$156,298
−HK$4,791/mo
Today · 4.125%
HK$161,089
baseline
▲ 0.50% · 4.625%
HK$170,891
+HK$9,802/mo
Deposit HK$3.69M · loan HK$33.24M · min. income ≈ HK$322,178/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,569,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,635
−HK$9,111/mo
▼ 0.25% · 3.875%
HK$173,158
−HK$4,588/mo
Today · 4.125%
HK$177,746
baseline
▲ 0.50% · 4.625%
HK$187,115
+HK$9,369/mo
Deposit HK$3.69M · loan HK$33.24M · min. income ≈ HK$355,492/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$1,569,583 · Scale 2, in force from 26 Feb 2026)