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$93,168
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$96,066
−HK$2,945/mo
Today · 4.125%
HK$99,011
baseline
▲ 0.50% · 4.625%
HK$105,035
+HK$6,024/mo
Deposit HK$20.43M · loan HK$20.43M · min. income ≈ HK$198,022/mo (50% DSR)
Upfront cash ≈ HK$22.17M (deposit + AVD stamp duty HK$1,736,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,649
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$106,428
−HK$2,820/mo
Today · 4.125%
HK$109,248
baseline
▲ 0.50% · 4.625%
HK$115,007
+HK$5,759/mo
Deposit HK$20.43M · loan HK$20.43M · min. income ≈ HK$218,496/mo (50% DSR)
Upfront cash ≈ HK$22.17M (deposit + AVD stamp duty HK$1,736,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,802
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$115,279
−HK$3,534/mo
Today · 4.125%
HK$118,813
baseline
▲ 0.50% · 4.625%
HK$126,042
+HK$7,229/mo
Deposit HK$16.34M · loan HK$24.52M · min. income ≈ HK$237,626/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,736,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,378
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$127,714
−HK$3,384/mo
Today · 4.125%
HK$131,098
baseline
▲ 0.50% · 4.625%
HK$138,009
+HK$6,911/mo
Deposit HK$16.34M · loan HK$24.52M · min. income ≈ HK$262,196/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$1,736,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,435
−HK$8,180/mo
▼ 0.25% · 3.875%
HK$134,493
−HK$4,122/mo
Today · 4.125%
HK$138,615
baseline
▲ 0.50% · 4.625%
HK$147,049
+HK$8,434/mo
Deposit HK$12.26M · loan HK$28.60M · min. income ≈ HK$277,230/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,736,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,108
−HK$7,840/mo
▼ 0.25% · 3.875%
HK$149,000
−HK$3,948/mo
Today · 4.125%
HK$152,948
baseline
▲ 0.50% · 4.625%
HK$161,010
+HK$8,062/mo
Deposit HK$12.26M · loan HK$28.60M · min. income ≈ HK$305,896/mo (50% DSR)
Upfront cash ≈ HK$13.99M (deposit + AVD stamp duty HK$1,736,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,703
−HK$10,516/mo
▼ 0.25% · 3.875%
HK$172,919
−HK$5,300/mo
Today · 4.125%
HK$178,219
baseline
▲ 0.50% · 4.625%
HK$189,063
+HK$10,844/mo
Deposit HK$4.09M · loan HK$36.77M · min. income ≈ HK$356,438/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,736,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,568
−HK$10,079/mo
▼ 0.25% · 3.875%
HK$191,571
−HK$5,076/mo
Today · 4.125%
HK$196,647
baseline
▲ 0.50% · 4.625%
HK$207,013
+HK$10,366/mo
Deposit HK$4.09M · loan HK$36.77M · min. income ≈ HK$393,294/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,736,492 · Scale 2, in force from 26 Feb 2026)