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$85,322
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,976
−HK$2,697/mo
Today · 4.125%
HK$90,673
baseline
▲ 0.50% · 4.625%
HK$96,190
+HK$5,517/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$181,346/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,920
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$97,466
−HK$2,582/mo
Today · 4.125%
HK$100,048
baseline
▲ 0.50% · 4.625%
HK$105,322
+HK$5,274/mo
Deposit HK$18.71M · loan HK$18.71M · min. income ≈ HK$200,096/mo (50% DSR)
Upfront cash ≈ HK$20.30M (deposit + AVD stamp duty HK$1,590,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,386
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$105,571
−HK$3,236/mo
Today · 4.125%
HK$108,807
baseline
▲ 0.50% · 4.625%
HK$115,428
+HK$6,621/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$217,614/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,904
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$116,959
−HK$3,099/mo
Today · 4.125%
HK$120,058
baseline
▲ 0.50% · 4.625%
HK$126,386
+HK$6,328/mo
Deposit HK$14.97M · loan HK$22.45M · min. income ≈ HK$240,116/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,590,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,451
−HK$7,491/mo
▼ 0.25% · 3.875%
HK$123,166
−HK$3,776/mo
Today · 4.125%
HK$126,942
baseline
▲ 0.50% · 4.625%
HK$134,666
+HK$7,724/mo
Deposit HK$11.23M · loan HK$26.19M · min. income ≈ HK$253,884/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,888
−HK$7,179/mo
▼ 0.25% · 3.875%
HK$136,452
−HK$3,615/mo
Today · 4.125%
HK$140,067
baseline
▲ 0.50% · 4.625%
HK$147,451
+HK$7,384/mo
Deposit HK$11.23M · loan HK$26.19M · min. income ≈ HK$280,134/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,590,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,580
−HK$9,631/mo
▼ 0.25% · 3.875%
HK$158,357
−HK$4,854/mo
Today · 4.125%
HK$163,211
baseline
▲ 0.50% · 4.625%
HK$173,141
+HK$9,930/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$326,422/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,856
−HK$9,231/mo
▼ 0.25% · 3.875%
HK$175,438
−HK$4,649/mo
Today · 4.125%
HK$180,087
baseline
▲ 0.50% · 4.625%
HK$189,579
+HK$9,492/mo
Deposit HK$3.74M · loan HK$33.68M · min. income ≈ HK$360,174/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,590,255 · Scale 2, in force from 26 Feb 2026)