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$80,935
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$83,453
−HK$2,558/mo
Today · 4.125%
HK$86,011
baseline
▲ 0.50% · 4.625%
HK$91,244
+HK$5,233/mo
Deposit HK$17.75M · loan HK$17.75M · min. income ≈ HK$172,022/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,508,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,040
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$92,455
−HK$2,450/mo
Today · 4.125%
HK$94,905
baseline
▲ 0.50% · 4.625%
HK$99,907
+HK$5,002/mo
Deposit HK$17.75M · loan HK$17.75M · min. income ≈ HK$189,810/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,508,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,123
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$100,144
−HK$3,069/mo
Today · 4.125%
HK$103,213
baseline
▲ 0.50% · 4.625%
HK$109,493
+HK$6,280/mo
Deposit HK$14.20M · loan HK$21.30M · min. income ≈ HK$206,426/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,508,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,048
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$110,946
−HK$2,939/mo
Today · 4.125%
HK$113,885
baseline
▲ 0.50% · 4.625%
HK$119,888
+HK$6,003/mo
Deposit HK$14.20M · loan HK$21.30M · min. income ≈ HK$227,770/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,508,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,310
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$116,834
−HK$3,581/mo
Today · 4.125%
HK$120,415
baseline
▲ 0.50% · 4.625%
HK$127,742
+HK$7,327/mo
Deposit HK$10.65M · loan HK$24.85M · min. income ≈ HK$240,830/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,508,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,056
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$129,437
−HK$3,429/mo
Today · 4.125%
HK$132,866
baseline
▲ 0.50% · 4.625%
HK$139,870
+HK$7,004/mo
Deposit HK$10.65M · loan HK$24.85M · min. income ≈ HK$265,732/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,508,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,684
−HK$9,136/mo
▼ 0.25% · 3.875%
HK$150,215
−HK$4,605/mo
Today · 4.125%
HK$154,820
baseline
▲ 0.50% · 4.625%
HK$164,240
+HK$9,420/mo
Deposit HK$3.55M · loan HK$31.94M · min. income ≈ HK$309,640/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,508,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,072
−HK$8,756/mo
▼ 0.25% · 3.875%
HK$166,419
−HK$4,409/mo
Today · 4.125%
HK$170,828
baseline
▲ 0.50% · 4.625%
HK$179,833
+HK$9,005/mo
Deposit HK$3.55M · loan HK$31.94M · min. income ≈ HK$341,656/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,508,497 · Scale 2, in force from 26 Feb 2026)