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$82,023
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$84,574
−HK$2,592/mo
Today · 4.125%
HK$87,166
baseline
▲ 0.50% · 4.625%
HK$92,470
+HK$5,304/mo
Deposit HK$17.99M · loan HK$17.99M · min. income ≈ HK$174,332/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,528,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,249
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$93,697
−HK$2,482/mo
Today · 4.125%
HK$96,179
baseline
▲ 0.50% · 4.625%
HK$101,249
+HK$5,070/mo
Deposit HK$17.99M · loan HK$17.99M · min. income ≈ HK$192,358/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,528,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,427
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$101,489
−HK$3,110/mo
Today · 4.125%
HK$104,599
baseline
▲ 0.50% · 4.625%
HK$110,964
+HK$6,365/mo
Deposit HK$14.39M · loan HK$21.58M · min. income ≈ HK$209,198/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,528,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,499
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$112,436
−HK$2,979/mo
Today · 4.125%
HK$115,415
baseline
▲ 0.50% · 4.625%
HK$121,499
+HK$6,084/mo
Deposit HK$14.39M · loan HK$21.58M · min. income ≈ HK$230,830/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,528,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,832
−HK$7,201/mo
▼ 0.25% · 3.875%
HK$118,404
−HK$3,629/mo
Today · 4.125%
HK$122,033
baseline
▲ 0.50% · 4.625%
HK$129,458
+HK$7,425/mo
Deposit HK$10.79M · loan HK$25.18M · min. income ≈ HK$244,066/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,528,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,749
−HK$6,902/mo
▼ 0.25% · 3.875%
HK$131,175
−HK$3,476/mo
Today · 4.125%
HK$134,651
baseline
▲ 0.50% · 4.625%
HK$141,749
+HK$7,098/mo
Deposit HK$10.79M · loan HK$25.18M · min. income ≈ HK$269,302/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,528,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,641
−HK$9,258/mo
▼ 0.25% · 3.875%
HK$152,233
−HK$4,666/mo
Today · 4.125%
HK$156,899
baseline
▲ 0.50% · 4.625%
HK$166,446
+HK$9,547/mo
Deposit HK$3.60M · loan HK$32.37M · min. income ≈ HK$313,798/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,528,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,249
−HK$8,874/mo
▼ 0.25% · 3.875%
HK$168,654
−HK$4,469/mo
Today · 4.125%
HK$173,123
baseline
▲ 0.50% · 4.625%
HK$182,248
+HK$9,125/mo
Deposit HK$3.60M · loan HK$32.37M · min. income ≈ HK$346,246/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,528,759 · Scale 2, in force from 26 Feb 2026)