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$89,805
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$92,598
−HK$2,839/mo
Today · 4.125%
HK$95,437
baseline
▲ 0.50% · 4.625%
HK$101,244
+HK$5,807/mo
Deposit HK$19.69M · loan HK$19.69M · min. income ≈ HK$190,874/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,673,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,907
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$102,587
−HK$2,718/mo
Today · 4.125%
HK$105,305
baseline
▲ 0.50% · 4.625%
HK$110,856
+HK$5,551/mo
Deposit HK$19.69M · loan HK$19.69M · min. income ≈ HK$210,610/mo (50% DSR)
Upfront cash ≈ HK$21.37M (deposit + AVD stamp duty HK$1,673,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,766
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$111,118
−HK$3,406/mo
Today · 4.125%
HK$114,524
baseline
▲ 0.50% · 4.625%
HK$121,492
+HK$6,968/mo
Deposit HK$15.75M · loan HK$23.63M · min. income ≈ HK$229,048/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,673,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,889
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$123,104
−HK$3,262/mo
Today · 4.125%
HK$126,366
baseline
▲ 0.50% · 4.625%
HK$133,027
+HK$6,661/mo
Deposit HK$15.75M · loan HK$23.63M · min. income ≈ HK$252,732/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,673,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,727
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$129,638
−HK$3,973/mo
Today · 4.125%
HK$133,611
baseline
▲ 0.50% · 4.625%
HK$141,741
+HK$8,130/mo
Deposit HK$11.82M · loan HK$27.57M · min. income ≈ HK$267,222/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,673,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,870
−HK$7,557/mo
▼ 0.25% · 3.875%
HK$143,621
−HK$3,806/mo
Today · 4.125%
HK$147,427
baseline
▲ 0.50% · 4.625%
HK$155,198
+HK$7,771/mo
Deposit HK$11.82M · loan HK$27.57M · min. income ≈ HK$294,854/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,673,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,649
−HK$10,137/mo
▼ 0.25% · 3.875%
HK$166,677
−HK$5,109/mo
Today · 4.125%
HK$171,786
baseline
▲ 0.50% · 4.625%
HK$182,239
+HK$10,453/mo
Deposit HK$3.94M · loan HK$35.45M · min. income ≈ HK$343,572/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,673,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,833
−HK$9,716/mo
▼ 0.25% · 3.875%
HK$184,656
−HK$4,893/mo
Today · 4.125%
HK$189,549
baseline
▲ 0.50% · 4.625%
HK$199,540
+HK$9,991/mo
Deposit HK$3.94M · loan HK$35.45M · min. income ≈ HK$379,098/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,673,810 · Scale 2, in force from 26 Feb 2026)