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$89,874
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,669
−HK$2,840/mo
Today · 4.125%
HK$95,509
baseline
▲ 0.50% · 4.625%
HK$101,321
+HK$5,812/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$191,018/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,675,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,983
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$102,665
−HK$2,720/mo
Today · 4.125%
HK$105,385
baseline
▲ 0.50% · 4.625%
HK$110,940
+HK$5,555/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$210,770/mo (50% DSR)
Upfront cash ≈ HK$21.38M (deposit + AVD stamp duty HK$1,675,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,848
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$111,203
−HK$3,408/mo
Today · 4.125%
HK$114,611
baseline
▲ 0.50% · 4.625%
HK$121,585
+HK$6,974/mo
Deposit HK$15.77M · loan HK$23.65M · min. income ≈ HK$229,222/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,675,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,980
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$123,198
−HK$3,264/mo
Today · 4.125%
HK$126,462
baseline
▲ 0.50% · 4.625%
HK$133,128
+HK$6,666/mo
Deposit HK$15.77M · loan HK$23.65M · min. income ≈ HK$252,924/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,675,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,823
−HK$7,890/mo
▼ 0.25% · 3.875%
HK$129,737
−HK$3,976/mo
Today · 4.125%
HK$133,713
baseline
▲ 0.50% · 4.625%
HK$141,849
+HK$8,136/mo
Deposit HK$11.82M · loan HK$27.59M · min. income ≈ HK$267,426/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,675,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,977
−HK$7,562/mo
▼ 0.25% · 3.875%
HK$143,731
−HK$3,808/mo
Today · 4.125%
HK$147,539
baseline
▲ 0.50% · 4.625%
HK$155,316
+HK$7,777/mo
Deposit HK$11.82M · loan HK$27.59M · min. income ≈ HK$295,078/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,675,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,772
−HK$10,145/mo
▼ 0.25% · 3.875%
HK$166,805
−HK$5,112/mo
Today · 4.125%
HK$171,917
baseline
▲ 0.50% · 4.625%
HK$182,378
+HK$10,461/mo
Deposit HK$3.94M · loan HK$35.47M · min. income ≈ HK$343,834/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,970
−HK$9,723/mo
▼ 0.25% · 3.875%
HK$184,797
−HK$4,896/mo
Today · 4.125%
HK$189,693
baseline
▲ 0.50% · 4.625%
HK$199,692
+HK$9,999/mo
Deposit HK$3.94M · loan HK$35.47M · min. income ≈ HK$379,386/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,087 · Scale 2, in force from 26 Feb 2026)