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$86,926
−HK$5,451/mo
▼ 0.25% · 3.875%
HK$89,630
−HK$2,747/mo
Today · 4.125%
HK$92,377
baseline
▲ 0.50% · 4.625%
HK$97,998
+HK$5,621/mo
Deposit HK$19.06M · loan HK$19.06M · min. income ≈ HK$184,754/mo (50% DSR)
Upfront cash ≈ HK$20.68M (deposit + AVD stamp duty HK$1,620,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,704
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$99,298
−HK$2,631/mo
Today · 4.125%
HK$101,929
baseline
▲ 0.50% · 4.625%
HK$107,302
+HK$5,373/mo
Deposit HK$19.06M · loan HK$19.06M · min. income ≈ HK$203,858/mo (50% DSR)
Upfront cash ≈ HK$20.68M (deposit + AVD stamp duty HK$1,620,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,311
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$107,556
−HK$3,297/mo
Today · 4.125%
HK$110,853
baseline
▲ 0.50% · 4.625%
HK$117,598
+HK$6,745/mo
Deposit HK$15.25M · loan HK$22.87M · min. income ≈ HK$221,706/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,620,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,045
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$119,158
−HK$3,157/mo
Today · 4.125%
HK$122,315
baseline
▲ 0.50% · 4.625%
HK$128,762
+HK$6,447/mo
Deposit HK$15.25M · loan HK$22.87M · min. income ≈ HK$244,630/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$1,620,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,697
−HK$7,631/mo
▼ 0.25% · 3.875%
HK$125,482
−HK$3,846/mo
Today · 4.125%
HK$129,328
baseline
▲ 0.50% · 4.625%
HK$137,197
+HK$7,869/mo
Deposit HK$11.44M · loan HK$26.68M · min. income ≈ HK$258,656/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,620,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,386
−HK$7,315/mo
▼ 0.25% · 3.875%
HK$139,017
−HK$3,684/mo
Today · 4.125%
HK$142,701
baseline
▲ 0.50% · 4.625%
HK$150,223
+HK$7,522/mo
Deposit HK$11.44M · loan HK$26.68M · min. income ≈ HK$285,402/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,620,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,467
−HK$9,812/mo
▼ 0.25% · 3.875%
HK$161,334
−HK$4,945/mo
Today · 4.125%
HK$166,279
baseline
▲ 0.50% · 4.625%
HK$176,397
+HK$10,118/mo
Deposit HK$3.81M · loan HK$34.31M · min. income ≈ HK$332,558/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,620,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,068
−HK$9,404/mo
▼ 0.25% · 3.875%
HK$178,736
−HK$4,736/mo
Today · 4.125%
HK$183,472
baseline
▲ 0.50% · 4.625%
HK$193,144
+HK$9,672/mo
Deposit HK$3.81M · loan HK$34.31M · min. income ≈ HK$366,944/mo (50% DSR)
Upfront cash ≈ HK$5.43M (deposit + AVD stamp duty HK$1,620,152 · Scale 2, in force from 26 Feb 2026)