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$81,346
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$83,876
−HK$2,571/mo
Today · 4.125%
HK$86,447
baseline
▲ 0.50% · 4.625%
HK$91,707
+HK$5,260/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$172,894/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,516,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,496
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,924
−HK$2,462/mo
Today · 4.125%
HK$95,386
baseline
▲ 0.50% · 4.625%
HK$100,414
+HK$5,028/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$190,772/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,516,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,615
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$100,651
−HK$3,085/mo
Today · 4.125%
HK$103,736
baseline
▲ 0.50% · 4.625%
HK$110,048
+HK$6,312/mo
Deposit HK$14.27M · loan HK$21.40M · min. income ≈ HK$207,472/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,596
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$111,508
−HK$2,955/mo
Today · 4.125%
HK$114,463
baseline
▲ 0.50% · 4.625%
HK$120,496
+HK$6,033/mo
Deposit HK$14.27M · loan HK$21.40M · min. income ≈ HK$228,926/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,884
−HK$7,142/mo
▼ 0.25% · 3.875%
HK$117,427
−HK$3,599/mo
Today · 4.125%
HK$121,026
baseline
▲ 0.50% · 4.625%
HK$128,390
+HK$7,364/mo
Deposit HK$10.70M · loan HK$24.97M · min. income ≈ HK$242,052/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,695
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$130,093
−HK$3,447/mo
Today · 4.125%
HK$133,540
baseline
▲ 0.50% · 4.625%
HK$140,579
+HK$7,039/mo
Deposit HK$10.70M · loan HK$24.97M · min. income ≈ HK$267,080/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,423
−HK$9,182/mo
▼ 0.25% · 3.875%
HK$150,977
−HK$4,628/mo
Today · 4.125%
HK$155,605
baseline
▲ 0.50% · 4.625%
HK$165,073
+HK$9,468/mo
Deposit HK$3.57M · loan HK$32.11M · min. income ≈ HK$311,210/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,516,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,894
−HK$8,800/mo
▼ 0.25% · 3.875%
HK$167,262
−HK$4,432/mo
Today · 4.125%
HK$171,694
baseline
▲ 0.50% · 4.625%
HK$180,745
+HK$9,051/mo
Deposit HK$3.57M · loan HK$32.11M · min. income ≈ HK$343,388/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,516,145 · Scale 2, in force from 26 Feb 2026)