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$87,133
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,843
−HK$2,754/mo
Today · 4.125%
HK$92,597
baseline
▲ 0.50% · 4.625%
HK$98,231
+HK$5,634/mo
Deposit HK$19.11M · loan HK$19.11M · min. income ≈ HK$185,194/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,624,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,935
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,534
−HK$2,638/mo
Today · 4.125%
HK$102,172
baseline
▲ 0.50% · 4.625%
HK$107,557
+HK$5,385/mo
Deposit HK$19.11M · loan HK$19.11M · min. income ≈ HK$204,344/mo (50% DSR)
Upfront cash ≈ HK$20.73M (deposit + AVD stamp duty HK$1,624,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,560
−HK$6,557/mo
▼ 0.25% · 3.875%
HK$107,812
−HK$3,305/mo
Today · 4.125%
HK$111,117
baseline
▲ 0.50% · 4.625%
HK$117,878
+HK$6,761/mo
Deposit HK$15.28M · loan HK$22.93M · min. income ≈ HK$222,234/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,624,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,322
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$119,441
−HK$3,165/mo
Today · 4.125%
HK$122,606
baseline
▲ 0.50% · 4.625%
HK$129,069
+HK$6,463/mo
Deposit HK$15.28M · loan HK$22.93M · min. income ≈ HK$245,212/mo (50% DSR)
Upfront cash ≈ HK$16.91M (deposit + AVD stamp duty HK$1,624,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,986
−HK$7,650/mo
▼ 0.25% · 3.875%
HK$125,781
−HK$3,855/mo
Today · 4.125%
HK$129,636
baseline
▲ 0.50% · 4.625%
HK$137,524
+HK$7,888/mo
Deposit HK$11.46M · loan HK$26.75M · min. income ≈ HK$259,272/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,709
−HK$7,331/mo
▼ 0.25% · 3.875%
HK$139,348
−HK$3,692/mo
Today · 4.125%
HK$143,040
baseline
▲ 0.50% · 4.625%
HK$150,580
+HK$7,540/mo
Deposit HK$11.46M · loan HK$26.75M · min. income ≈ HK$286,080/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,840
−HK$9,835/mo
▼ 0.25% · 3.875%
HK$161,718
−HK$4,957/mo
Today · 4.125%
HK$166,675
baseline
▲ 0.50% · 4.625%
HK$176,817
+HK$10,142/mo
Deposit HK$3.82M · loan HK$34.39M · min. income ≈ HK$333,350/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,482
−HK$9,427/mo
▼ 0.25% · 3.875%
HK$179,162
−HK$4,747/mo
Today · 4.125%
HK$183,909
baseline
▲ 0.50% · 4.625%
HK$193,603
+HK$9,694/mo
Deposit HK$3.82M · loan HK$34.39M · min. income ≈ HK$367,818/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,009 · Scale 2, in force from 26 Feb 2026)