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$81,738
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,280
−HK$2,583/mo
Today · 4.125%
HK$86,863
baseline
▲ 0.50% · 4.625%
HK$92,149
+HK$5,286/mo
Deposit HK$17.92M · loan HK$17.92M · min. income ≈ HK$173,726/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,523,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,932
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$93,371
−HK$2,474/mo
Today · 4.125%
HK$95,845
baseline
▲ 0.50% · 4.625%
HK$100,897
+HK$5,052/mo
Deposit HK$17.92M · loan HK$17.92M · min. income ≈ HK$191,690/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,523,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,085
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$101,136
−HK$3,100/mo
Today · 4.125%
HK$104,236
baseline
▲ 0.50% · 4.625%
HK$110,578
+HK$6,342/mo
Deposit HK$14.34M · loan HK$21.51M · min. income ≈ HK$208,472/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,523,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,119
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$112,045
−HK$2,969/mo
Today · 4.125%
HK$115,014
baseline
▲ 0.50% · 4.625%
HK$121,077
+HK$6,063/mo
Deposit HK$14.34M · loan HK$21.51M · min. income ≈ HK$230,028/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,523,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,433
−HK$7,176/mo
▼ 0.25% · 3.875%
HK$117,992
−HK$3,617/mo
Today · 4.125%
HK$121,609
baseline
▲ 0.50% · 4.625%
HK$129,008
+HK$7,399/mo
Deposit HK$10.75M · loan HK$25.09M · min. income ≈ HK$243,218/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,523,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,305
−HK$6,878/mo
▼ 0.25% · 3.875%
HK$130,719
−HK$3,464/mo
Today · 4.125%
HK$134,183
baseline
▲ 0.50% · 4.625%
HK$141,256
+HK$7,073/mo
Deposit HK$10.75M · loan HK$25.09M · min. income ≈ HK$268,366/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,523,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,128
−HK$9,226/mo
▼ 0.25% · 3.875%
HK$151,704
−HK$4,650/mo
Today · 4.125%
HK$156,354
baseline
▲ 0.50% · 4.625%
HK$165,868
+HK$9,514/mo
Deposit HK$3.58M · loan HK$32.26M · min. income ≈ HK$312,708/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,678
−HK$8,843/mo
▼ 0.25% · 3.875%
HK$168,068
−HK$4,453/mo
Today · 4.125%
HK$172,521
baseline
▲ 0.50% · 4.625%
HK$181,615
+HK$9,094/mo
Deposit HK$3.58M · loan HK$32.26M · min. income ≈ HK$345,042/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,446 · Scale 2, in force from 26 Feb 2026)