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$93,339
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$96,242
−HK$2,950/mo
Today · 4.125%
HK$99,192
baseline
▲ 0.50% · 4.625%
HK$105,228
+HK$6,036/mo
Deposit HK$20.47M · loan HK$20.47M · min. income ≈ HK$198,384/mo (50% DSR)
Upfront cash ≈ HK$22.21M (deposit + AVD stamp duty HK$1,739,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,838
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$106,623
−HK$2,825/mo
Today · 4.125%
HK$109,448
baseline
▲ 0.50% · 4.625%
HK$115,218
+HK$5,770/mo
Deposit HK$20.47M · loan HK$20.47M · min. income ≈ HK$218,896/mo (50% DSR)
Upfront cash ≈ HK$22.21M (deposit + AVD stamp duty HK$1,739,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,006
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$115,491
−HK$3,539/mo
Today · 4.125%
HK$119,030
baseline
▲ 0.50% · 4.625%
HK$126,273
+HK$7,243/mo
Deposit HK$16.37M · loan HK$24.56M · min. income ≈ HK$238,060/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,739,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,606
−HK$6,732/mo
▼ 0.25% · 3.875%
HK$127,948
−HK$3,390/mo
Today · 4.125%
HK$131,338
baseline
▲ 0.50% · 4.625%
HK$138,261
+HK$6,923/mo
Deposit HK$16.37M · loan HK$24.56M · min. income ≈ HK$262,676/mo (50% DSR)
Upfront cash ≈ HK$18.11M (deposit + AVD stamp duty HK$1,739,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,674
−HK$8,195/mo
▼ 0.25% · 3.875%
HK$134,739
−HK$4,130/mo
Today · 4.125%
HK$138,869
baseline
▲ 0.50% · 4.625%
HK$147,319
+HK$8,450/mo
Deposit HK$12.28M · loan HK$28.65M · min. income ≈ HK$277,738/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,739,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,374
−HK$7,854/mo
▼ 0.25% · 3.875%
HK$149,273
−HK$3,955/mo
Today · 4.125%
HK$153,228
baseline
▲ 0.50% · 4.625%
HK$161,305
+HK$8,077/mo
Deposit HK$12.28M · loan HK$28.65M · min. income ≈ HK$306,456/mo (50% DSR)
Upfront cash ≈ HK$14.02M (deposit + AVD stamp duty HK$1,739,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,010
−HK$10,535/mo
▼ 0.25% · 3.875%
HK$173,236
−HK$5,309/mo
Today · 4.125%
HK$178,545
baseline
▲ 0.50% · 4.625%
HK$189,410
+HK$10,865/mo
Deposit HK$4.09M · loan HK$36.84M · min. income ≈ HK$357,090/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,739,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,909
−HK$10,098/mo
▼ 0.25% · 3.875%
HK$191,922
−HK$5,085/mo
Today · 4.125%
HK$197,007
baseline
▲ 0.50% · 4.625%
HK$207,392
+HK$10,385/mo
Deposit HK$4.09M · loan HK$36.84M · min. income ≈ HK$394,014/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,739,672 · Scale 2, in force from 26 Feb 2026)