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$82,871
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$85,449
−HK$2,619/mo
Today · 4.125%
HK$88,068
baseline
▲ 0.50% · 4.625%
HK$93,426
+HK$5,358/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$176,136/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,544,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,193
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$94,666
−HK$2,508/mo
Today · 4.125%
HK$97,174
baseline
▲ 0.50% · 4.625%
HK$102,296
+HK$5,122/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$194,348/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,544,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,445
−HK$6,236/mo
▼ 0.25% · 3.875%
HK$102,538
−HK$3,143/mo
Today · 4.125%
HK$105,681
baseline
▲ 0.50% · 4.625%
HK$112,111
+HK$6,430/mo
Deposit HK$14.54M · loan HK$21.81M · min. income ≈ HK$211,362/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,632
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$113,599
−HK$3,010/mo
Today · 4.125%
HK$116,609
baseline
▲ 0.50% · 4.625%
HK$122,755
+HK$6,146/mo
Deposit HK$14.54M · loan HK$21.81M · min. income ≈ HK$233,218/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,019
−HK$7,276/mo
▼ 0.25% · 3.875%
HK$119,628
−HK$3,667/mo
Today · 4.125%
HK$123,295
baseline
▲ 0.50% · 4.625%
HK$130,797
+HK$7,502/mo
Deposit HK$10.90M · loan HK$25.44M · min. income ≈ HK$246,590/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,544,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,070
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$132,532
−HK$3,511/mo
Today · 4.125%
HK$136,043
baseline
▲ 0.50% · 4.625%
HK$143,214
+HK$7,171/mo
Deposit HK$10.90M · loan HK$25.44M · min. income ≈ HK$272,086/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,544,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,167
−HK$9,355/mo
▼ 0.25% · 3.875%
HK$153,807
−HK$4,715/mo
Today · 4.125%
HK$158,522
baseline
▲ 0.50% · 4.625%
HK$168,167
+HK$9,645/mo
Deposit HK$3.63M · loan HK$32.71M · min. income ≈ HK$317,044/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,947
−HK$8,966/mo
▼ 0.25% · 3.875%
HK$170,398
−HK$4,515/mo
Today · 4.125%
HK$174,913
baseline
▲ 0.50% · 4.625%
HK$184,133
+HK$9,220/mo
Deposit HK$3.63M · loan HK$32.71M · min. income ≈ HK$349,826/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,568 · Scale 2, in force from 26 Feb 2026)