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$85,550
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$88,211
−HK$2,704/mo
Today · 4.125%
HK$90,915
baseline
▲ 0.50% · 4.625%
HK$96,447
+HK$5,532/mo
Deposit HK$18.76M · loan HK$18.76M · min. income ≈ HK$181,830/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,594,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,174
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,726
−HK$2,590/mo
Today · 4.125%
HK$100,316
baseline
▲ 0.50% · 4.625%
HK$105,603
+HK$5,287/mo
Deposit HK$18.76M · loan HK$18.76M · min. income ≈ HK$200,632/mo (50% DSR)
Upfront cash ≈ HK$20.35M (deposit + AVD stamp duty HK$1,594,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,660
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$105,854
−HK$3,244/mo
Today · 4.125%
HK$109,098
baseline
▲ 0.50% · 4.625%
HK$115,736
+HK$6,638/mo
Deposit HK$15.01M · loan HK$22.51M · min. income ≈ HK$218,196/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,594,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,209
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$117,272
−HK$3,107/mo
Today · 4.125%
HK$120,379
baseline
▲ 0.50% · 4.625%
HK$126,724
+HK$6,345/mo
Deposit HK$15.01M · loan HK$22.51M · min. income ≈ HK$240,758/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,594,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,770
−HK$7,511/mo
▼ 0.25% · 3.875%
HK$123,496
−HK$3,785/mo
Today · 4.125%
HK$127,281
baseline
▲ 0.50% · 4.625%
HK$135,026
+HK$7,745/mo
Deposit HK$11.26M · loan HK$26.26M · min. income ≈ HK$254,562/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,594,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,243
−HK$7,199/mo
▼ 0.25% · 3.875%
HK$136,817
−HK$3,625/mo
Today · 4.125%
HK$140,442
baseline
▲ 0.50% · 4.625%
HK$147,845
+HK$7,403/mo
Deposit HK$11.26M · loan HK$26.26M · min. income ≈ HK$280,884/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,594,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,990
−HK$9,657/mo
▼ 0.25% · 3.875%
HK$158,780
−HK$4,867/mo
Today · 4.125%
HK$163,647
baseline
▲ 0.50% · 4.625%
HK$173,604
+HK$9,957/mo
Deposit HK$3.75M · loan HK$33.77M · min. income ≈ HK$327,294/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,594,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,313
−HK$9,255/mo
▼ 0.25% · 3.875%
HK$175,907
−HK$4,661/mo
Today · 4.125%
HK$180,568
baseline
▲ 0.50% · 4.625%
HK$190,086
+HK$9,518/mo
Deposit HK$3.75M · loan HK$33.77M · min. income ≈ HK$361,136/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$1,594,507 · Scale 2, in force from 26 Feb 2026)