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$84,644
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,277
−HK$2,675/mo
Today · 4.125%
HK$89,952
baseline
▲ 0.50% · 4.625%
HK$95,425
+HK$5,473/mo
Deposit HK$18.56M · loan HK$18.56M · min. income ≈ HK$179,904/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,577,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,165
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,691
−HK$2,562/mo
Today · 4.125%
HK$99,253
baseline
▲ 0.50% · 4.625%
HK$104,484
+HK$5,231/mo
Deposit HK$18.56M · loan HK$18.56M · min. income ≈ HK$198,506/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,577,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,572
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$104,732
−HK$3,210/mo
Today · 4.125%
HK$107,942
baseline
▲ 0.50% · 4.625%
HK$114,510
+HK$6,568/mo
Deposit HK$14.85M · loan HK$22.27M · min. income ≈ HK$215,884/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,577,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,998
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$116,029
−HK$3,074/mo
Today · 4.125%
HK$119,103
baseline
▲ 0.50% · 4.625%
HK$125,381
+HK$6,278/mo
Deposit HK$14.85M · loan HK$22.27M · min. income ≈ HK$238,206/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,577,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,501
−HK$7,431/mo
▼ 0.25% · 3.875%
HK$122,187
−HK$3,745/mo
Today · 4.125%
HK$125,932
baseline
▲ 0.50% · 4.625%
HK$133,595
+HK$7,663/mo
Deposit HK$11.14M · loan HK$25.98M · min. income ≈ HK$251,864/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,577,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,831
−HK$7,123/mo
▼ 0.25% · 3.875%
HK$135,367
−HK$3,587/mo
Today · 4.125%
HK$138,954
baseline
▲ 0.50% · 4.625%
HK$146,278
+HK$7,324/mo
Deposit HK$11.14M · loan HK$25.98M · min. income ≈ HK$277,908/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,577,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,359
−HK$9,554/mo
▼ 0.25% · 3.875%
HK$157,098
−HK$4,815/mo
Today · 4.125%
HK$161,913
baseline
▲ 0.50% · 4.625%
HK$171,765
+HK$9,852/mo
Deposit HK$3.71M · loan HK$33.41M · min. income ≈ HK$323,826/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,497
−HK$9,158/mo
▼ 0.25% · 3.875%
HK$174,043
−HK$4,612/mo
Today · 4.125%
HK$178,655
baseline
▲ 0.50% · 4.625%
HK$188,072
+HK$9,417/mo
Deposit HK$3.71M · loan HK$33.41M · min. income ≈ HK$357,310/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$1,577,611 · Scale 2, in force from 26 Feb 2026)