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$88,051
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$90,790
−HK$2,783/mo
Today · 4.125%
HK$93,573
baseline
▲ 0.50% · 4.625%
HK$99,266
+HK$5,693/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$187,146/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$1,641,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,956
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$100,583
−HK$2,665/mo
Today · 4.125%
HK$103,248
baseline
▲ 0.50% · 4.625%
HK$108,691
+HK$5,443/mo
Deposit HK$19.31M · loan HK$19.31M · min. income ≈ HK$206,496/mo (50% DSR)
Upfront cash ≈ HK$20.95M (deposit + AVD stamp duty HK$1,641,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,661
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$108,948
−HK$3,339/mo
Today · 4.125%
HK$112,287
baseline
▲ 0.50% · 4.625%
HK$119,120
+HK$6,833/mo
Deposit HK$15.45M · loan HK$23.17M · min. income ≈ HK$224,574/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,547
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$120,700
−HK$3,198/mo
Today · 4.125%
HK$123,898
baseline
▲ 0.50% · 4.625%
HK$130,429
+HK$6,531/mo
Deposit HK$15.45M · loan HK$23.17M · min. income ≈ HK$247,796/mo (50% DSR)
Upfront cash ≈ HK$17.09M (deposit + AVD stamp duty HK$1,641,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,272
−HK$7,730/mo
▼ 0.25% · 3.875%
HK$127,106
−HK$3,896/mo
Today · 4.125%
HK$131,002
baseline
▲ 0.50% · 4.625%
HK$138,973
+HK$7,971/mo
Deposit HK$11.58M · loan HK$27.03M · min. income ≈ HK$262,004/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,138
−HK$7,410/mo
▼ 0.25% · 3.875%
HK$140,816
−HK$3,732/mo
Today · 4.125%
HK$144,548
baseline
▲ 0.50% · 4.625%
HK$152,167
+HK$7,619/mo
Deposit HK$11.58M · loan HK$27.03M · min. income ≈ HK$289,096/mo (50% DSR)
Upfront cash ≈ HK$13.23M (deposit + AVD stamp duty HK$1,641,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,492
−HK$9,939/mo
▼ 0.25% · 3.875%
HK$163,422
−HK$5,009/mo
Today · 4.125%
HK$168,431
baseline
▲ 0.50% · 4.625%
HK$178,679
+HK$10,248/mo
Deposit HK$3.86M · loan HK$34.75M · min. income ≈ HK$336,862/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,321
−HK$9,526/mo
▼ 0.25% · 3.875%
HK$181,050
−HK$4,797/mo
Today · 4.125%
HK$185,847
baseline
▲ 0.50% · 4.625%
HK$195,643
+HK$9,796/mo
Deposit HK$3.86M · loan HK$34.75M · min. income ≈ HK$371,694/mo (50% DSR)
Upfront cash ≈ HK$5.50M (deposit + AVD stamp duty HK$1,641,120 · Scale 2, in force from 26 Feb 2026)