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$89,279
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$92,057
−HK$2,821/mo
Today · 4.125%
HK$94,878
baseline
▲ 0.50% · 4.625%
HK$100,651
+HK$5,773/mo
Deposit HK$19.58M · loan HK$19.58M · min. income ≈ HK$189,756/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$1,664,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,322
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$101,986
−HK$2,703/mo
Today · 4.125%
HK$104,689
baseline
▲ 0.50% · 4.625%
HK$110,207
+HK$5,518/mo
Deposit HK$19.58M · loan HK$19.58M · min. income ≈ HK$209,378/mo (50% DSR)
Upfront cash ≈ HK$21.24M (deposit + AVD stamp duty HK$1,664,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,135
−HK$6,719/mo
▼ 0.25% · 3.875%
HK$110,468
−HK$3,386/mo
Today · 4.125%
HK$113,854
baseline
▲ 0.50% · 4.625%
HK$120,781
+HK$6,927/mo
Deposit HK$15.66M · loan HK$23.49M · min. income ≈ HK$227,708/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,664,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,187
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$122,384
−HK$3,242/mo
Today · 4.125%
HK$125,626
baseline
▲ 0.50% · 4.625%
HK$132,248
+HK$6,622/mo
Deposit HK$15.66M · loan HK$23.49M · min. income ≈ HK$251,252/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,664,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,991
−HK$7,838/mo
▼ 0.25% · 3.875%
HK$128,879
−HK$3,950/mo
Today · 4.125%
HK$132,829
baseline
▲ 0.50% · 4.625%
HK$140,912
+HK$8,083/mo
Deposit HK$11.75M · loan HK$27.41M · min. income ≈ HK$265,658/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,664,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,051
−HK$7,513/mo
▼ 0.25% · 3.875%
HK$142,781
−HK$3,783/mo
Today · 4.125%
HK$146,564
baseline
▲ 0.50% · 4.625%
HK$154,290
+HK$7,726/mo
Deposit HK$11.75M · loan HK$27.41M · min. income ≈ HK$293,128/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,664,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,703
−HK$10,077/mo
▼ 0.25% · 3.875%
HK$165,702
−HK$5,078/mo
Today · 4.125%
HK$170,780
baseline
▲ 0.50% · 4.625%
HK$181,172
+HK$10,392/mo
Deposit HK$3.92M · loan HK$35.24M · min. income ≈ HK$341,560/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,780
−HK$9,659/mo
▼ 0.25% · 3.875%
HK$183,575
−HK$4,864/mo
Today · 4.125%
HK$188,439
baseline
▲ 0.50% · 4.625%
HK$198,372
+HK$9,933/mo
Deposit HK$3.92M · loan HK$35.24M · min. income ≈ HK$376,878/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,664,013 · Scale 2, in force from 26 Feb 2026)