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$88,825
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$91,588
−HK$2,807/mo
Today · 4.125%
HK$94,395
baseline
▲ 0.50% · 4.625%
HK$100,139
+HK$5,744/mo
Deposit HK$19.48M · loan HK$19.48M · min. income ≈ HK$188,790/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$1,655,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,817
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$101,467
−HK$2,689/mo
Today · 4.125%
HK$104,156
baseline
▲ 0.50% · 4.625%
HK$109,646
+HK$5,490/mo
Deposit HK$19.48M · loan HK$19.48M · min. income ≈ HK$208,312/mo (50% DSR)
Upfront cash ≈ HK$21.13M (deposit + AVD stamp duty HK$1,655,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,590
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$109,905
−HK$3,369/mo
Today · 4.125%
HK$113,274
baseline
▲ 0.50% · 4.625%
HK$120,166
+HK$6,892/mo
Deposit HK$15.58M · loan HK$23.37M · min. income ≈ HK$226,548/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,655,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,580
−HK$6,407/mo
▼ 0.25% · 3.875%
HK$121,760
−HK$3,227/mo
Today · 4.125%
HK$124,987
baseline
▲ 0.50% · 4.625%
HK$131,575
+HK$6,588/mo
Deposit HK$15.58M · loan HK$23.37M · min. income ≈ HK$249,974/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,655,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,355
−HK$7,798/mo
▼ 0.25% · 3.875%
HK$128,223
−HK$3,930/mo
Today · 4.125%
HK$132,153
baseline
▲ 0.50% · 4.625%
HK$140,194
+HK$8,041/mo
Deposit HK$11.69M · loan HK$27.27M · min. income ≈ HK$264,306/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,344
−HK$7,474/mo
▼ 0.25% · 3.875%
HK$142,054
−HK$3,764/mo
Today · 4.125%
HK$145,818
baseline
▲ 0.50% · 4.625%
HK$153,504
+HK$7,686/mo
Deposit HK$11.69M · loan HK$27.27M · min. income ≈ HK$291,636/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,655,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,885
−HK$10,026/mo
▼ 0.25% · 3.875%
HK$164,858
−HK$5,053/mo
Today · 4.125%
HK$169,911
baseline
▲ 0.50% · 4.625%
HK$180,250
+HK$10,339/mo
Deposit HK$3.90M · loan HK$35.06M · min. income ≈ HK$339,822/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,870
−HK$9,610/mo
▼ 0.25% · 3.875%
HK$182,641
−HK$4,839/mo
Today · 4.125%
HK$187,480
baseline
▲ 0.50% · 4.625%
HK$197,362
+HK$9,882/mo
Deposit HK$3.90M · loan HK$35.06M · min. income ≈ HK$374,960/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,655,542 · Scale 2, in force from 26 Feb 2026)