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$88,141
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$90,883
−HK$2,785/mo
Today · 4.125%
HK$93,668
baseline
▲ 0.50% · 4.625%
HK$99,368
+HK$5,700/mo
Deposit HK$19.33M · loan HK$19.33M · min. income ≈ HK$187,336/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$1,642,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,056
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$100,686
−HK$2,668/mo
Today · 4.125%
HK$103,354
baseline
▲ 0.50% · 4.625%
HK$108,802
+HK$5,448/mo
Deposit HK$19.33M · loan HK$19.33M · min. income ≈ HK$206,708/mo (50% DSR)
Upfront cash ≈ HK$20.97M (deposit + AVD stamp duty HK$1,642,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,769
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$109,059
−HK$3,343/mo
Today · 4.125%
HK$112,402
baseline
▲ 0.50% · 4.625%
HK$119,241
+HK$6,839/mo
Deposit HK$15.46M · loan HK$23.19M · min. income ≈ HK$224,804/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,642,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,667
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$120,823
−HK$3,201/mo
Today · 4.125%
HK$124,024
baseline
▲ 0.50% · 4.625%
HK$130,562
+HK$6,538/mo
Deposit HK$15.46M · loan HK$23.19M · min. income ≈ HK$248,048/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$1,642,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,397
−HK$7,738/mo
▼ 0.25% · 3.875%
HK$127,236
−HK$3,899/mo
Today · 4.125%
HK$131,135
baseline
▲ 0.50% · 4.625%
HK$139,115
+HK$7,980/mo
Deposit HK$11.60M · loan HK$27.06M · min. income ≈ HK$262,270/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,642,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,278
−HK$7,417/mo
▼ 0.25% · 3.875%
HK$140,960
−HK$3,735/mo
Today · 4.125%
HK$144,695
baseline
▲ 0.50% · 4.625%
HK$152,322
+HK$7,627/mo
Deposit HK$11.60M · loan HK$27.06M · min. income ≈ HK$289,390/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,642,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,654
−HK$9,949/mo
▼ 0.25% · 3.875%
HK$163,589
−HK$5,014/mo
Today · 4.125%
HK$168,603
baseline
▲ 0.50% · 4.625%
HK$178,862
+HK$10,259/mo
Deposit HK$3.87M · loan HK$34.79M · min. income ≈ HK$337,206/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,642,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,501
−HK$9,535/mo
▼ 0.25% · 3.875%
HK$181,234
−HK$4,802/mo
Today · 4.125%
HK$186,036
baseline
▲ 0.50% · 4.625%
HK$195,843
+HK$9,807/mo
Deposit HK$3.87M · loan HK$34.79M · min. income ≈ HK$372,072/mo (50% DSR)
Upfront cash ≈ HK$5.51M (deposit + AVD stamp duty HK$1,642,794 · Scale 2, in force from 26 Feb 2026)