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$90,053
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,854
−HK$2,846/mo
Today · 4.125%
HK$95,700
baseline
▲ 0.50% · 4.625%
HK$101,523
+HK$5,823/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$191,400/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$1,678,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,183
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,870
−HK$2,726/mo
Today · 4.125%
HK$105,596
baseline
▲ 0.50% · 4.625%
HK$111,162
+HK$5,566/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$211,192/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$1,678,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,064
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$111,425
−HK$3,415/mo
Today · 4.125%
HK$114,840
baseline
▲ 0.50% · 4.625%
HK$121,828
+HK$6,988/mo
Deposit HK$15.80M · loan HK$23.70M · min. income ≈ HK$229,680/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,678,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,220
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$123,444
−HK$3,271/mo
Today · 4.125%
HK$126,715
baseline
▲ 0.50% · 4.625%
HK$133,394
+HK$6,679/mo
Deposit HK$15.80M · loan HK$23.70M · min. income ≈ HK$253,430/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,678,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,074
−HK$7,906/mo
▼ 0.25% · 3.875%
HK$129,996
−HK$3,984/mo
Today · 4.125%
HK$133,980
baseline
▲ 0.50% · 4.625%
HK$142,132
+HK$8,152/mo
Deposit HK$11.85M · loan HK$27.64M · min. income ≈ HK$267,960/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,678,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,256
−HK$7,578/mo
▼ 0.25% · 3.875%
HK$144,018
−HK$3,816/mo
Today · 4.125%
HK$147,834
baseline
▲ 0.50% · 4.625%
HK$155,626
+HK$7,792/mo
Deposit HK$11.85M · loan HK$27.64M · min. income ≈ HK$295,668/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,678,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,095
−HK$10,165/mo
▼ 0.25% · 3.875%
HK$167,137
−HK$5,123/mo
Today · 4.125%
HK$172,260
baseline
▲ 0.50% · 4.625%
HK$182,742
+HK$10,482/mo
Deposit HK$3.95M · loan HK$35.54M · min. income ≈ HK$344,520/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,678,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,329
−HK$9,743/mo
▼ 0.25% · 3.875%
HK$185,166
−HK$4,906/mo
Today · 4.125%
HK$190,072
baseline
▲ 0.50% · 4.625%
HK$200,091
+HK$10,019/mo
Deposit HK$3.95M · loan HK$35.54M · min. income ≈ HK$380,144/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,678,431 · Scale 2, in force from 26 Feb 2026)