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$85,271
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$87,924
−HK$2,695/mo
Today · 4.125%
HK$90,619
baseline
▲ 0.50% · 4.625%
HK$96,133
+HK$5,514/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$181,238/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,864
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$97,408
−HK$2,581/mo
Today · 4.125%
HK$99,989
baseline
▲ 0.50% · 4.625%
HK$105,259
+HK$5,270/mo
Deposit HK$18.70M · loan HK$18.70M · min. income ≈ HK$199,978/mo (50% DSR)
Upfront cash ≈ HK$20.29M (deposit + AVD stamp duty HK$1,589,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,326
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$105,509
−HK$3,233/mo
Today · 4.125%
HK$108,742
baseline
▲ 0.50% · 4.625%
HK$115,359
+HK$6,617/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$217,484/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,836
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,889
−HK$3,098/mo
Today · 4.125%
HK$119,987
baseline
▲ 0.50% · 4.625%
HK$126,311
+HK$6,324/mo
Deposit HK$14.96M · loan HK$22.44M · min. income ≈ HK$239,974/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,589,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,380
−HK$7,486/mo
▼ 0.25% · 3.875%
HK$123,093
−HK$3,773/mo
Today · 4.125%
HK$126,866
baseline
▲ 0.50% · 4.625%
HK$134,586
+HK$7,720/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$253,732/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,809
−HK$7,175/mo
▼ 0.25% · 3.875%
HK$136,371
−HK$3,613/mo
Today · 4.125%
HK$139,984
baseline
▲ 0.50% · 4.625%
HK$147,363
+HK$7,379/mo
Deposit HK$11.22M · loan HK$26.18M · min. income ≈ HK$279,968/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,589,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,489
−HK$9,625/mo
▼ 0.25% · 3.875%
HK$158,263
−HK$4,851/mo
Today · 4.125%
HK$163,114
baseline
▲ 0.50% · 4.625%
HK$173,039
+HK$9,925/mo
Deposit HK$3.74M · loan HK$33.66M · min. income ≈ HK$326,228/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,755
−HK$9,225/mo
▼ 0.25% · 3.875%
HK$175,334
−HK$4,646/mo
Today · 4.125%
HK$179,980
baseline
▲ 0.50% · 4.625%
HK$189,467
+HK$9,487/mo
Deposit HK$3.74M · loan HK$33.66M · min. income ≈ HK$359,960/mo (50% DSR)
Upfront cash ≈ HK$5.33M (deposit + AVD stamp duty HK$1,589,311 · Scale 2, in force from 26 Feb 2026)