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$82,879
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$85,457
−HK$2,620/mo
Today · 4.125%
HK$88,077
baseline
▲ 0.50% · 4.625%
HK$93,436
+HK$5,359/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$176,154/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,544,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,203
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$94,675
−HK$2,509/mo
Today · 4.125%
HK$97,184
baseline
▲ 0.50% · 4.625%
HK$102,307
+HK$5,123/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$194,368/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,544,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,455
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,549
−HK$3,143/mo
Today · 4.125%
HK$105,692
baseline
▲ 0.50% · 4.625%
HK$112,123
+HK$6,431/mo
Deposit HK$14.54M · loan HK$21.81M · min. income ≈ HK$211,384/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,643
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,610
−HK$3,011/mo
Today · 4.125%
HK$116,621
baseline
▲ 0.50% · 4.625%
HK$122,768
+HK$6,147/mo
Deposit HK$14.54M · loan HK$21.81M · min. income ≈ HK$233,242/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,031
−HK$7,276/mo
▼ 0.25% · 3.875%
HK$119,640
−HK$3,667/mo
Today · 4.125%
HK$123,307
baseline
▲ 0.50% · 4.625%
HK$130,810
+HK$7,503/mo
Deposit HK$10.90M · loan HK$25.44M · min. income ≈ HK$246,614/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,544,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,084
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$132,545
−HK$3,512/mo
Today · 4.125%
HK$136,057
baseline
▲ 0.50% · 4.625%
HK$143,229
+HK$7,172/mo
Deposit HK$10.90M · loan HK$25.44M · min. income ≈ HK$272,114/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,544,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,183
−HK$9,355/mo
▼ 0.25% · 3.875%
HK$153,823
−HK$4,715/mo
Today · 4.125%
HK$158,538
baseline
▲ 0.50% · 4.625%
HK$168,185
+HK$9,647/mo
Deposit HK$3.63M · loan HK$32.71M · min. income ≈ HK$317,076/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,965
−HK$8,966/mo
▼ 0.25% · 3.875%
HK$170,416
−HK$4,515/mo
Today · 4.125%
HK$174,931
baseline
▲ 0.50% · 4.625%
HK$184,152
+HK$9,221/mo
Deposit HK$3.63M · loan HK$32.71M · min. income ≈ HK$349,862/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,728 · Scale 2, in force from 26 Feb 2026)