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$80,987
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,506
−HK$2,560/mo
Today · 4.125%
HK$86,066
baseline
▲ 0.50% · 4.625%
HK$91,303
+HK$5,237/mo
Deposit HK$17.76M · loan HK$17.76M · min. income ≈ HK$172,132/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,509,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,098
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,514
−HK$2,451/mo
Today · 4.125%
HK$94,965
baseline
▲ 0.50% · 4.625%
HK$99,971
+HK$5,006/mo
Deposit HK$17.76M · loan HK$17.76M · min. income ≈ HK$189,930/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,509,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,185
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$100,208
−HK$3,071/mo
Today · 4.125%
HK$103,279
baseline
▲ 0.50% · 4.625%
HK$109,563
+HK$6,284/mo
Deposit HK$14.21M · loan HK$21.31M · min. income ≈ HK$206,558/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,509,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,117
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$111,017
−HK$2,941/mo
Today · 4.125%
HK$113,958
baseline
▲ 0.50% · 4.625%
HK$119,965
+HK$6,007/mo
Deposit HK$14.21M · loan HK$21.31M · min. income ≈ HK$227,916/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,509,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,382
−HK$7,110/mo
▼ 0.25% · 3.875%
HK$116,909
−HK$3,583/mo
Today · 4.125%
HK$120,492
baseline
▲ 0.50% · 4.625%
HK$127,824
+HK$7,332/mo
Deposit HK$10.66M · loan HK$24.86M · min. income ≈ HK$240,984/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,509,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,137
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$129,519
−HK$3,432/mo
Today · 4.125%
HK$132,951
baseline
▲ 0.50% · 4.625%
HK$139,959
+HK$7,008/mo
Deposit HK$10.66M · loan HK$24.86M · min. income ≈ HK$265,902/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,509,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,777
−HK$9,142/mo
▼ 0.25% · 3.875%
HK$150,312
−HK$4,607/mo
Today · 4.125%
HK$154,919
baseline
▲ 0.50% · 4.625%
HK$164,345
+HK$9,426/mo
Deposit HK$3.55M · loan HK$31.97M · min. income ≈ HK$309,838/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,509,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,176
−HK$8,761/mo
▼ 0.25% · 3.875%
HK$166,525
−HK$4,412/mo
Today · 4.125%
HK$170,937
baseline
▲ 0.50% · 4.625%
HK$179,948
+HK$9,011/mo
Deposit HK$3.55M · loan HK$31.97M · min. income ≈ HK$341,874/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,509,462 · Scale 2, in force from 26 Feb 2026)