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$97,103
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$100,123
−HK$3,069/mo
Today · 4.125%
HK$103,192
baseline
▲ 0.50% · 4.625%
HK$109,471
+HK$6,279/mo
Deposit HK$21.29M · loan HK$21.29M · min. income ≈ HK$206,384/mo (50% DSR)
Upfront cash ≈ HK$23.10M (deposit + AVD stamp duty HK$1,809,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,026
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$110,923
−HK$2,939/mo
Today · 4.125%
HK$113,862
baseline
▲ 0.50% · 4.625%
HK$119,864
+HK$6,002/mo
Deposit HK$21.29M · loan HK$21.29M · min. income ≈ HK$227,724/mo (50% DSR)
Upfront cash ≈ HK$23.10M (deposit + AVD stamp duty HK$1,809,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,523
−HK$7,307/mo
▼ 0.25% · 3.875%
HK$120,148
−HK$3,682/mo
Today · 4.125%
HK$123,830
baseline
▲ 0.50% · 4.625%
HK$131,365
+HK$7,535/mo
Deposit HK$17.03M · loan HK$25.55M · min. income ≈ HK$247,660/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,809,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,631
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$133,108
−HK$3,526/mo
Today · 4.125%
HK$136,634
baseline
▲ 0.50% · 4.625%
HK$143,837
+HK$7,203/mo
Deposit HK$17.03M · loan HK$25.55M · min. income ≈ HK$273,268/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,809,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,944
−HK$8,525/mo
▼ 0.25% · 3.875%
HK$140,172
−HK$4,297/mo
Today · 4.125%
HK$144,469
baseline
▲ 0.50% · 4.625%
HK$153,259
+HK$8,790/mo
Deposit HK$12.78M · loan HK$29.81M · min. income ≈ HK$288,938/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,809,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,236
−HK$8,171/mo
▼ 0.25% · 3.875%
HK$155,292
−HK$4,115/mo
Today · 4.125%
HK$159,407
baseline
▲ 0.50% · 4.625%
HK$167,809
+HK$8,402/mo
Deposit HK$12.78M · loan HK$29.81M · min. income ≈ HK$318,814/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,809,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,785
−HK$10,960/mo
▼ 0.25% · 3.875%
HK$180,222
−HK$5,523/mo
Today · 4.125%
HK$185,745
baseline
▲ 0.50% · 4.625%
HK$197,048
+HK$11,303/mo
Deposit HK$4.26M · loan HK$38.33M · min. income ≈ HK$371,490/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,809,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,446
−HK$10,506/mo
▼ 0.25% · 3.875%
HK$199,661
−HK$5,291/mo
Today · 4.125%
HK$204,952
baseline
▲ 0.50% · 4.625%
HK$215,755
+HK$10,803/mo
Deposit HK$4.26M · loan HK$38.33M · min. income ≈ HK$409,904/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,809,825 · Scale 2, in force from 26 Feb 2026)