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$81,894
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,441
−HK$2,588/mo
Today · 4.125%
HK$87,029
baseline
▲ 0.50% · 4.625%
HK$92,325
+HK$5,296/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$174,058/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,526,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,106
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,549
−HK$2,479/mo
Today · 4.125%
HK$96,028
baseline
▲ 0.50% · 4.625%
HK$101,090
+HK$5,062/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$192,056/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,526,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,272
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,329
−HK$3,106/mo
Today · 4.125%
HK$104,435
baseline
▲ 0.50% · 4.625%
HK$110,789
+HK$6,354/mo
Deposit HK$14.37M · loan HK$21.55M · min. income ≈ HK$208,870/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,526,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,327
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$112,259
−HK$2,975/mo
Today · 4.125%
HK$115,234
baseline
▲ 0.50% · 4.625%
HK$121,308
+HK$6,074/mo
Deposit HK$14.37M · loan HK$21.55M · min. income ≈ HK$230,468/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,526,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,651
−HK$7,190/mo
▼ 0.25% · 3.875%
HK$118,217
−HK$3,624/mo
Today · 4.125%
HK$121,841
baseline
▲ 0.50% · 4.625%
HK$129,254
+HK$7,413/mo
Deposit HK$10.77M · loan HK$25.14M · min. income ≈ HK$243,682/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,548
−HK$6,891/mo
▼ 0.25% · 3.875%
HK$130,969
−HK$3,470/mo
Today · 4.125%
HK$134,439
baseline
▲ 0.50% · 4.625%
HK$141,526
+HK$7,087/mo
Deposit HK$10.77M · loan HK$25.14M · min. income ≈ HK$268,878/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,408
−HK$9,244/mo
▼ 0.25% · 3.875%
HK$151,994
−HK$4,658/mo
Today · 4.125%
HK$156,652
baseline
▲ 0.50% · 4.625%
HK$166,184
+HK$9,532/mo
Deposit HK$3.59M · loan HK$32.32M · min. income ≈ HK$313,304/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,990
−HK$8,860/mo
▼ 0.25% · 3.875%
HK$168,389
−HK$4,461/mo
Today · 4.125%
HK$172,850
baseline
▲ 0.50% · 4.625%
HK$181,962
+HK$9,112/mo
Deposit HK$3.59M · loan HK$32.32M · min. income ≈ HK$345,700/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,354 · Scale 2, in force from 26 Feb 2026)