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$83,129
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$85,714
−HK$2,627/mo
Today · 4.125%
HK$88,341
baseline
▲ 0.50% · 4.625%
HK$93,717
+HK$5,376/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$176,682/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,549,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,480
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,960
−HK$2,516/mo
Today · 4.125%
HK$97,476
baseline
▲ 0.50% · 4.625%
HK$102,614
+HK$5,138/mo
Deposit HK$18.23M · loan HK$18.23M · min. income ≈ HK$194,952/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,549,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,754
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$102,857
−HK$3,153/mo
Today · 4.125%
HK$106,010
baseline
▲ 0.50% · 4.625%
HK$112,460
+HK$6,450/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$212,020/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,976
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,952
−HK$3,019/mo
Today · 4.125%
HK$116,971
baseline
▲ 0.50% · 4.625%
HK$123,137
+HK$6,166/mo
Deposit HK$14.58M · loan HK$21.87M · min. income ≈ HK$233,942/mo (50% DSR)
Upfront cash ≈ HK$16.13M (deposit + AVD stamp duty HK$1,549,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,380
−HK$7,298/mo
▼ 0.25% · 3.875%
HK$120,000
−HK$3,678/mo
Today · 4.125%
HK$123,678
baseline
▲ 0.50% · 4.625%
HK$131,204
+HK$7,526/mo
Deposit HK$10.94M · loan HK$25.52M · min. income ≈ HK$247,356/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,472
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$132,944
−HK$3,523/mo
Today · 4.125%
HK$136,467
baseline
▲ 0.50% · 4.625%
HK$143,660
+HK$7,193/mo
Deposit HK$10.94M · loan HK$25.52M · min. income ≈ HK$272,934/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,549,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,631
−HK$9,384/mo
▼ 0.25% · 3.875%
HK$154,286
−HK$4,729/mo
Today · 4.125%
HK$159,015
baseline
▲ 0.50% · 4.625%
HK$168,690
+HK$9,675/mo
Deposit HK$3.65M · loan HK$32.81M · min. income ≈ HK$318,030/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,549,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,463
−HK$8,994/mo
▼ 0.25% · 3.875%
HK$170,928
−HK$4,529/mo
Today · 4.125%
HK$175,457
baseline
▲ 0.50% · 4.625%
HK$184,706
+HK$9,249/mo
Deposit HK$3.65M · loan HK$32.81M · min. income ≈ HK$350,914/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$1,549,372 · Scale 2, in force from 26 Feb 2026)