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$81,532
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$84,068
−HK$2,577/mo
Today · 4.125%
HK$86,645
baseline
▲ 0.50% · 4.625%
HK$91,917
+HK$5,272/mo
Deposit HK$17.88M · loan HK$17.88M · min. income ≈ HK$173,290/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$1,519,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,704
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$93,137
−HK$2,467/mo
Today · 4.125%
HK$95,604
baseline
▲ 0.50% · 4.625%
HK$100,644
+HK$5,040/mo
Deposit HK$17.88M · loan HK$17.88M · min. income ≈ HK$191,208/mo (50% DSR)
Upfront cash ≈ HK$19.40M (deposit + AVD stamp duty HK$1,519,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,839
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$100,882
−HK$3,092/mo
Today · 4.125%
HK$103,974
baseline
▲ 0.50% · 4.625%
HK$110,301
+HK$6,327/mo
Deposit HK$14.30M · loan HK$21.45M · min. income ≈ HK$207,948/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,519,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,845
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$111,764
−HK$2,961/mo
Today · 4.125%
HK$114,725
baseline
▲ 0.50% · 4.625%
HK$120,773
+HK$6,048/mo
Deposit HK$14.30M · loan HK$21.45M · min. income ≈ HK$229,450/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,519,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,145
−HK$7,158/mo
▼ 0.25% · 3.875%
HK$117,696
−HK$3,607/mo
Today · 4.125%
HK$121,303
baseline
▲ 0.50% · 4.625%
HK$128,684
+HK$7,381/mo
Deposit HK$10.73M · loan HK$25.03M · min. income ≈ HK$242,606/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,519,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,986
−HK$6,860/mo
▼ 0.25% · 3.875%
HK$130,391
−HK$3,455/mo
Today · 4.125%
HK$133,846
baseline
▲ 0.50% · 4.625%
HK$140,901
+HK$7,055/mo
Deposit HK$10.73M · loan HK$25.03M · min. income ≈ HK$267,692/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,519,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,758
−HK$9,203/mo
▼ 0.25% · 3.875%
HK$151,323
−HK$4,638/mo
Today · 4.125%
HK$155,961
baseline
▲ 0.50% · 4.625%
HK$165,451
+HK$9,490/mo
Deposit HK$3.58M · loan HK$32.18M · min. income ≈ HK$311,922/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,519,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,267
−HK$8,821/mo
▼ 0.25% · 3.875%
HK$167,646
−HK$4,442/mo
Today · 4.125%
HK$172,088
baseline
▲ 0.50% · 4.625%
HK$181,159
+HK$9,071/mo
Deposit HK$3.58M · loan HK$32.18M · min. income ≈ HK$344,176/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,519,622 · Scale 2, in force from 26 Feb 2026)