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$80,905
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$83,422
−HK$2,557/mo
Today · 4.125%
HK$85,979
baseline
▲ 0.50% · 4.625%
HK$91,210
+HK$5,231/mo
Deposit HK$17.74M · loan HK$17.74M · min. income ≈ HK$171,958/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,507,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,006
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$92,420
−HK$2,449/mo
Today · 4.125%
HK$94,869
baseline
▲ 0.50% · 4.625%
HK$99,870
+HK$5,001/mo
Deposit HK$17.74M · loan HK$17.74M · min. income ≈ HK$189,738/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,507,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,086
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$100,106
−HK$3,069/mo
Today · 4.125%
HK$103,175
baseline
▲ 0.50% · 4.625%
HK$109,453
+HK$6,278/mo
Deposit HK$14.19M · loan HK$21.29M · min. income ≈ HK$206,350/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,507,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,008
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$110,904
−HK$2,939/mo
Today · 4.125%
HK$113,843
baseline
▲ 0.50% · 4.625%
HK$119,844
+HK$6,001/mo
Deposit HK$14.19M · loan HK$21.29M · min. income ≈ HK$227,686/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,507,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,268
−HK$7,102/mo
▼ 0.25% · 3.875%
HK$116,791
−HK$3,579/mo
Today · 4.125%
HK$120,370
baseline
▲ 0.50% · 4.625%
HK$127,695
+HK$7,325/mo
Deposit HK$10.64M · loan HK$24.84M · min. income ≈ HK$240,740/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,507,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,009
−HK$6,808/mo
▼ 0.25% · 3.875%
HK$129,388
−HK$3,429/mo
Today · 4.125%
HK$132,817
baseline
▲ 0.50% · 4.625%
HK$139,818
+HK$7,001/mo
Deposit HK$10.64M · loan HK$24.84M · min. income ≈ HK$265,634/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,507,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,630
−HK$9,132/mo
▼ 0.25% · 3.875%
HK$150,160
−HK$4,602/mo
Today · 4.125%
HK$154,762
baseline
▲ 0.50% · 4.625%
HK$164,179
+HK$9,417/mo
Deposit HK$3.55M · loan HK$31.93M · min. income ≈ HK$309,524/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,507,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,012
−HK$8,753/mo
▼ 0.25% · 3.875%
HK$166,357
−HK$4,408/mo
Today · 4.125%
HK$170,765
baseline
▲ 0.50% · 4.625%
HK$179,766
+HK$9,001/mo
Deposit HK$3.55M · loan HK$31.93M · min. income ≈ HK$341,530/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,507,935 · Scale 2, in force from 26 Feb 2026)