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$87,182
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,894
−HK$2,755/mo
Today · 4.125%
HK$92,649
baseline
▲ 0.50% · 4.625%
HK$98,287
+HK$5,638/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$185,298/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,989
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,591
−HK$2,638/mo
Today · 4.125%
HK$102,229
baseline
▲ 0.50% · 4.625%
HK$107,618
+HK$5,389/mo
Deposit HK$19.12M · loan HK$19.12M · min. income ≈ HK$204,458/mo (50% DSR)
Upfront cash ≈ HK$20.74M (deposit + AVD stamp duty HK$1,624,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,619
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,873
−HK$3,306/mo
Today · 4.125%
HK$111,179
baseline
▲ 0.50% · 4.625%
HK$117,944
+HK$6,765/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$222,358/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,624,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,387
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$119,509
−HK$3,166/mo
Today · 4.125%
HK$122,675
baseline
▲ 0.50% · 4.625%
HK$129,142
+HK$6,467/mo
Deposit HK$15.29M · loan HK$22.94M · min. income ≈ HK$245,350/mo (50% DSR)
Upfront cash ≈ HK$16.92M (deposit + AVD stamp duty HK$1,624,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,055
−HK$7,654/mo
▼ 0.25% · 3.875%
HK$125,852
−HK$3,857/mo
Today · 4.125%
HK$129,709
baseline
▲ 0.50% · 4.625%
HK$137,601
+HK$7,892/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$259,418/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,785
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$139,427
−HK$3,694/mo
Today · 4.125%
HK$143,121
baseline
▲ 0.50% · 4.625%
HK$150,665
+HK$7,544/mo
Deposit HK$11.47M · loan HK$26.76M · min. income ≈ HK$286,242/mo (50% DSR)
Upfront cash ≈ HK$13.09M (deposit + AVD stamp duty HK$1,624,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,928
−HK$9,841/mo
▼ 0.25% · 3.875%
HK$161,809
−HK$4,960/mo
Today · 4.125%
HK$166,769
baseline
▲ 0.50% · 4.625%
HK$176,916
+HK$10,147/mo
Deposit HK$3.82M · loan HK$34.41M · min. income ≈ HK$333,538/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,581
−HK$9,432/mo
▼ 0.25% · 3.875%
HK$179,263
−HK$4,750/mo
Today · 4.125%
HK$184,013
baseline
▲ 0.50% · 4.625%
HK$193,712
+HK$9,699/mo
Deposit HK$3.82M · loan HK$34.41M · min. income ≈ HK$368,026/mo (50% DSR)
Upfront cash ≈ HK$5.45M (deposit + AVD stamp duty HK$1,624,924 · Scale 2, in force from 26 Feb 2026)