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$95,558
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$98,531
−HK$3,019/mo
Today · 4.125%
HK$101,550
baseline
▲ 0.50% · 4.625%
HK$107,730
+HK$6,180/mo
Deposit HK$20.95M · loan HK$20.95M · min. income ≈ HK$203,100/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$1,781,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,307
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$109,159
−HK$2,892/mo
Today · 4.125%
HK$112,051
baseline
▲ 0.50% · 4.625%
HK$117,957
+HK$5,906/mo
Deposit HK$20.95M · loan HK$20.95M · min. income ≈ HK$224,102/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$1,781,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,670
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$118,237
−HK$3,624/mo
Today · 4.125%
HK$121,861
baseline
▲ 0.50% · 4.625%
HK$129,276
+HK$7,415/mo
Deposit HK$16.76M · loan HK$25.14M · min. income ≈ HK$243,722/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,781,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,569
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$130,990
−HK$3,471/mo
Today · 4.125%
HK$134,461
baseline
▲ 0.50% · 4.625%
HK$141,549
+HK$7,088/mo
Deposit HK$16.76M · loan HK$25.14M · min. income ≈ HK$268,922/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,781,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,781
−HK$8,390/mo
▼ 0.25% · 3.875%
HK$137,943
−HK$4,228/mo
Today · 4.125%
HK$142,171
baseline
▲ 0.50% · 4.625%
HK$150,821
+HK$8,650/mo
Deposit HK$12.57M · loan HK$29.33M · min. income ≈ HK$284,342/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,781,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,830
−HK$8,041/mo
▼ 0.25% · 3.875%
HK$152,822
−HK$4,049/mo
Today · 4.125%
HK$156,871
baseline
▲ 0.50% · 4.625%
HK$165,140
+HK$8,269/mo
Deposit HK$12.57M · loan HK$29.33M · min. income ≈ HK$313,742/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,781,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,005
−HK$10,786/mo
▼ 0.25% · 3.875%
HK$177,355
−HK$5,436/mo
Today · 4.125%
HK$182,791
baseline
▲ 0.50% · 4.625%
HK$193,913
+HK$11,122/mo
Deposit HK$4.19M · loan HK$37.72M · min. income ≈ HK$365,582/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,353
−HK$10,339/mo
▼ 0.25% · 3.875%
HK$196,485
−HK$5,207/mo
Today · 4.125%
HK$201,692
baseline
▲ 0.50% · 4.625%
HK$212,323
+HK$10,631/mo
Deposit HK$4.19M · loan HK$37.72M · min. income ≈ HK$403,384/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,037 · Scale 2, in force from 26 Feb 2026)