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$82,284
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,844
−HK$2,600/mo
Today · 4.125%
HK$87,444
baseline
▲ 0.50% · 4.625%
HK$92,765
+HK$5,321/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$174,888/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,533,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,540
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$93,995
−HK$2,491/mo
Today · 4.125%
HK$96,486
baseline
▲ 0.50% · 4.625%
HK$101,572
+HK$5,086/mo
Deposit HK$18.04M · loan HK$18.04M · min. income ≈ HK$192,972/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,533,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,741
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$101,812
−HK$3,121/mo
Today · 4.125%
HK$104,933
baseline
▲ 0.50% · 4.625%
HK$111,318
+HK$6,385/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$209,866/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,848
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$112,794
−HK$2,989/mo
Today · 4.125%
HK$115,783
baseline
▲ 0.50% · 4.625%
HK$121,886
+HK$6,103/mo
Deposit HK$14.43M · loan HK$21.65M · min. income ≈ HK$231,566/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,533,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,198
−HK$7,224/mo
▼ 0.25% · 3.875%
HK$118,781
−HK$3,641/mo
Today · 4.125%
HK$122,422
baseline
▲ 0.50% · 4.625%
HK$129,871
+HK$7,449/mo
Deposit HK$10.83M · loan HK$25.26M · min. income ≈ HK$244,844/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,156
−HK$6,924/mo
▼ 0.25% · 3.875%
HK$131,593
−HK$3,487/mo
Today · 4.125%
HK$135,080
baseline
▲ 0.50% · 4.625%
HK$142,200
+HK$7,120/mo
Deposit HK$10.83M · loan HK$25.26M · min. income ≈ HK$270,160/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,533,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,111
−HK$9,288/mo
▼ 0.25% · 3.875%
HK$152,718
−HK$4,681/mo
Today · 4.125%
HK$157,399
baseline
▲ 0.50% · 4.625%
HK$166,977
+HK$9,578/mo
Deposit HK$3.61M · loan HK$32.48M · min. income ≈ HK$314,798/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,772
−HK$8,902/mo
▼ 0.25% · 3.875%
HK$169,191
−HK$4,483/mo
Today · 4.125%
HK$173,674
baseline
▲ 0.50% · 4.625%
HK$182,829
+HK$9,155/mo
Deposit HK$3.61M · loan HK$32.48M · min. income ≈ HK$347,348/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$1,533,631 · Scale 2, in force from 26 Feb 2026)