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$83,002
−HK$5,205/mo
▼ 0.25% · 3.875%
HK$85,583
−HK$2,624/mo
Today · 4.125%
HK$88,207
baseline
▲ 0.50% · 4.625%
HK$93,574
+HK$5,367/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$176,414/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,339
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,815
−HK$2,512/mo
Today · 4.125%
HK$97,327
baseline
▲ 0.50% · 4.625%
HK$102,458
+HK$5,131/mo
Deposit HK$18.20M · loan HK$18.20M · min. income ≈ HK$194,654/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,547,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,602
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$102,700
−HK$3,148/mo
Today · 4.125%
HK$105,848
baseline
▲ 0.50% · 4.625%
HK$112,289
+HK$6,441/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$211,696/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,806
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$113,778
−HK$3,015/mo
Today · 4.125%
HK$116,793
baseline
▲ 0.50% · 4.625%
HK$122,949
+HK$6,156/mo
Deposit HK$14.56M · loan HK$21.84M · min. income ≈ HK$233,586/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,547,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,202
−HK$7,287/mo
▼ 0.25% · 3.875%
HK$119,817
−HK$3,672/mo
Today · 4.125%
HK$123,489
baseline
▲ 0.50% · 4.625%
HK$131,003
+HK$7,514/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$246,978/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,274
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$132,741
−HK$3,517/mo
Today · 4.125%
HK$136,258
baseline
▲ 0.50% · 4.625%
HK$143,441
+HK$7,183/mo
Deposit HK$10.92M · loan HK$25.48M · min. income ≈ HK$272,516/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,547,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,403
−HK$9,369/mo
▼ 0.25% · 3.875%
HK$154,050
−HK$4,722/mo
Today · 4.125%
HK$158,772
baseline
▲ 0.50% · 4.625%
HK$168,433
+HK$9,661/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$317,544/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,209
−HK$8,980/mo
▼ 0.25% · 3.875%
HK$170,667
−HK$4,522/mo
Today · 4.125%
HK$175,189
baseline
▲ 0.50% · 4.625%
HK$184,424
+HK$9,235/mo
Deposit HK$3.64M · loan HK$32.76M · min. income ≈ HK$350,378/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,547,006 · Scale 2, in force from 26 Feb 2026)