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$90,626
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$93,445
−HK$2,864/mo
Today · 4.125%
HK$96,309
baseline
▲ 0.50% · 4.625%
HK$102,169
+HK$5,860/mo
Deposit HK$19.87M · loan HK$19.87M · min. income ≈ HK$192,618/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$1,689,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,820
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$103,524
−HK$2,743/mo
Today · 4.125%
HK$106,267
baseline
▲ 0.50% · 4.625%
HK$111,869
+HK$5,602/mo
Deposit HK$19.87M · loan HK$19.87M · min. income ≈ HK$212,534/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$1,689,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,751
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$112,134
−HK$3,437/mo
Today · 4.125%
HK$115,571
baseline
▲ 0.50% · 4.625%
HK$122,603
+HK$7,032/mo
Deposit HK$15.90M · loan HK$23.85M · min. income ≈ HK$231,142/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,689,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,984
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$124,229
−HK$3,292/mo
Today · 4.125%
HK$127,521
baseline
▲ 0.50% · 4.625%
HK$134,243
+HK$6,722/mo
Deposit HK$15.90M · loan HK$23.85M · min. income ≈ HK$255,042/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,689,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,876
−HK$7,956/mo
▼ 0.25% · 3.875%
HK$130,823
−HK$4,009/mo
Today · 4.125%
HK$134,832
baseline
▲ 0.50% · 4.625%
HK$143,037
+HK$8,205/mo
Deposit HK$11.92M · loan HK$27.82M · min. income ≈ HK$269,664/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,689,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,148
−HK$7,626/mo
▼ 0.25% · 3.875%
HK$144,934
−HK$3,840/mo
Today · 4.125%
HK$148,774
baseline
▲ 0.50% · 4.625%
HK$156,616
+HK$7,842/mo
Deposit HK$11.92M · loan HK$27.82M · min. income ≈ HK$297,548/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,689,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,126
−HK$10,230/mo
▼ 0.25% · 3.875%
HK$168,201
−HK$5,155/mo
Today · 4.125%
HK$173,356
baseline
▲ 0.50% · 4.625%
HK$183,904
+HK$10,548/mo
Deposit HK$3.97M · loan HK$35.77M · min. income ≈ HK$346,712/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,689,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,477
−HK$9,804/mo
▼ 0.25% · 3.875%
HK$186,344
−HK$4,937/mo
Today · 4.125%
HK$191,281
baseline
▲ 0.50% · 4.625%
HK$201,364
+HK$10,083/mo
Deposit HK$3.97M · loan HK$35.77M · min. income ≈ HK$382,562/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$1,689,108 · Scale 2, in force from 26 Feb 2026)