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$90,752
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$93,575
−HK$2,868/mo
Today · 4.125%
HK$96,443
baseline
▲ 0.50% · 4.625%
HK$102,311
+HK$5,868/mo
Deposit HK$19.90M · loan HK$19.90M · min. income ≈ HK$192,886/mo (50% DSR)
Upfront cash ≈ HK$21.59M (deposit + AVD stamp duty HK$1,691,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,960
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$103,668
−HK$2,747/mo
Today · 4.125%
HK$106,415
baseline
▲ 0.50% · 4.625%
HK$112,024
+HK$5,609/mo
Deposit HK$19.90M · loan HK$19.90M · min. income ≈ HK$212,830/mo (50% DSR)
Upfront cash ≈ HK$21.59M (deposit + AVD stamp duty HK$1,691,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,902
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$112,290
−HK$3,441/mo
Today · 4.125%
HK$115,731
baseline
▲ 0.50% · 4.625%
HK$122,773
+HK$7,042/mo
Deposit HK$15.92M · loan HK$23.88M · min. income ≈ HK$231,462/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,691,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,152
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$124,402
−HK$3,296/mo
Today · 4.125%
HK$127,698
baseline
▲ 0.50% · 4.625%
HK$134,429
+HK$6,731/mo
Deposit HK$15.92M · loan HK$23.88M · min. income ≈ HK$255,396/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,691,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,052
−HK$7,968/mo
▼ 0.25% · 3.875%
HK$131,004
−HK$4,016/mo
Today · 4.125%
HK$135,020
baseline
▲ 0.50% · 4.625%
HK$143,235
+HK$8,215/mo
Deposit HK$11.94M · loan HK$27.86M · min. income ≈ HK$270,040/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,691,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,345
−HK$7,636/mo
▼ 0.25% · 3.875%
HK$145,135
−HK$3,846/mo
Today · 4.125%
HK$148,981
baseline
▲ 0.50% · 4.625%
HK$156,834
+HK$7,853/mo
Deposit HK$11.94M · loan HK$27.86M · min. income ≈ HK$297,962/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,691,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,353
−HK$10,244/mo
▼ 0.25% · 3.875%
HK$168,434
−HK$5,163/mo
Today · 4.125%
HK$173,597
baseline
▲ 0.50% · 4.625%
HK$184,160
+HK$10,563/mo
Deposit HK$3.98M · loan HK$35.82M · min. income ≈ HK$347,194/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,691,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,729
−HK$9,818/mo
▼ 0.25% · 3.875%
HK$186,603
−HK$4,944/mo
Today · 4.125%
HK$191,547
baseline
▲ 0.50% · 4.625%
HK$201,644
+HK$10,097/mo
Deposit HK$3.98M · loan HK$35.82M · min. income ≈ HK$383,094/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,691,454 · Scale 2, in force from 26 Feb 2026)