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$93,050
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$95,944
−HK$2,941/mo
Today · 4.125%
HK$98,885
baseline
▲ 0.50% · 4.625%
HK$104,902
+HK$6,017/mo
Deposit HK$20.40M · loan HK$20.40M · min. income ≈ HK$197,770/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$1,734,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,517
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$106,293
−HK$2,817/mo
Today · 4.125%
HK$109,110
baseline
▲ 0.50% · 4.625%
HK$114,861
+HK$5,751/mo
Deposit HK$20.40M · loan HK$20.40M · min. income ≈ HK$218,220/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$1,734,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,660
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$115,133
−HK$3,529/mo
Today · 4.125%
HK$118,662
baseline
▲ 0.50% · 4.625%
HK$125,882
+HK$7,220/mo
Deposit HK$16.32M · loan HK$24.48M · min. income ≈ HK$237,324/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,734,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,220
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$127,552
−HK$3,380/mo
Today · 4.125%
HK$130,932
baseline
▲ 0.50% · 4.625%
HK$137,833
+HK$6,901/mo
Deposit HK$16.32M · loan HK$24.48M · min. income ≈ HK$261,864/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,734,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,270
−HK$8,169/mo
▼ 0.25% · 3.875%
HK$134,322
−HK$4,117/mo
Today · 4.125%
HK$138,439
baseline
▲ 0.50% · 4.625%
HK$146,862
+HK$8,423/mo
Deposit HK$12.24M · loan HK$28.56M · min. income ≈ HK$276,878/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,734,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,924
−HK$7,829/mo
▼ 0.25% · 3.875%
HK$148,810
−HK$3,943/mo
Today · 4.125%
HK$152,753
baseline
▲ 0.50% · 4.625%
HK$160,805
+HK$8,052/mo
Deposit HK$12.24M · loan HK$28.56M · min. income ≈ HK$305,506/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,734,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,490
−HK$10,503/mo
▼ 0.25% · 3.875%
HK$172,699
−HK$5,294/mo
Today · 4.125%
HK$177,993
baseline
▲ 0.50% · 4.625%
HK$188,823
+HK$10,830/mo
Deposit HK$4.08M · loan HK$36.73M · min. income ≈ HK$355,986/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,734,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,330
−HK$10,067/mo
▼ 0.25% · 3.875%
HK$191,328
−HK$5,069/mo
Today · 4.125%
HK$196,397
baseline
▲ 0.50% · 4.625%
HK$206,750
+HK$10,353/mo
Deposit HK$4.08M · loan HK$36.73M · min. income ≈ HK$392,794/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,734,286 · Scale 2, in force from 26 Feb 2026)