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$91,853
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$94,710
−HK$2,903/mo
Today · 4.125%
HK$97,613
baseline
▲ 0.50% · 4.625%
HK$103,552
+HK$5,939/mo
Deposit HK$20.14M · loan HK$20.14M · min. income ≈ HK$195,226/mo (50% DSR)
Upfront cash ≈ HK$21.85M (deposit + AVD stamp duty HK$1,711,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,185
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$104,926
−HK$2,780/mo
Today · 4.125%
HK$107,706
baseline
▲ 0.50% · 4.625%
HK$113,383
+HK$5,677/mo
Deposit HK$20.14M · loan HK$20.14M · min. income ≈ HK$215,412/mo (50% DSR)
Upfront cash ≈ HK$21.85M (deposit + AVD stamp duty HK$1,711,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,223
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$113,652
−HK$3,483/mo
Today · 4.125%
HK$117,135
baseline
▲ 0.50% · 4.625%
HK$124,263
+HK$7,128/mo
Deposit HK$16.11M · loan HK$24.17M · min. income ≈ HK$234,270/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,711,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,622
−HK$6,625/mo
▼ 0.25% · 3.875%
HK$125,911
−HK$3,336/mo
Today · 4.125%
HK$129,247
baseline
▲ 0.50% · 4.625%
HK$136,060
+HK$6,813/mo
Deposit HK$16.11M · loan HK$24.17M · min. income ≈ HK$258,494/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,711,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,594
−HK$8,064/mo
▼ 0.25% · 3.875%
HK$132,594
−HK$4,064/mo
Today · 4.125%
HK$136,658
baseline
▲ 0.50% · 4.625%
HK$144,973
+HK$8,315/mo
Deposit HK$12.08M · loan HK$28.20M · min. income ≈ HK$273,316/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,711,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,059
−HK$7,729/mo
▼ 0.25% · 3.875%
HK$146,896
−HK$3,892/mo
Today · 4.125%
HK$150,788
baseline
▲ 0.50% · 4.625%
HK$158,737
+HK$7,949/mo
Deposit HK$12.08M · loan HK$28.20M · min. income ≈ HK$301,576/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,711,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,335
−HK$10,368/mo
▼ 0.25% · 3.875%
HK$170,478
−HK$5,225/mo
Today · 4.125%
HK$175,703
baseline
▲ 0.50% · 4.625%
HK$186,394
+HK$10,691/mo
Deposit HK$4.03M · loan HK$36.25M · min. income ≈ HK$351,406/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,711,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,933
−HK$9,938/mo
▼ 0.25% · 3.875%
HK$188,866
−HK$5,005/mo
Today · 4.125%
HK$193,871
baseline
▲ 0.50% · 4.625%
HK$204,090
+HK$10,219/mo
Deposit HK$4.03M · loan HK$36.25M · min. income ≈ HK$387,742/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,711,976 · Scale 2, in force from 26 Feb 2026)