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$91,380
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$94,223
−HK$2,888/mo
Today · 4.125%
HK$97,111
baseline
▲ 0.50% · 4.625%
HK$103,020
+HK$5,909/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$194,222/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$1,703,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,660
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$104,386
−HK$2,766/mo
Today · 4.125%
HK$107,152
baseline
▲ 0.50% · 4.625%
HK$112,800
+HK$5,648/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$214,304/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$1,703,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,657
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$113,067
−HK$3,466/mo
Today · 4.125%
HK$116,533
baseline
▲ 0.50% · 4.625%
HK$123,624
+HK$7,091/mo
Deposit HK$16.03M · loan HK$24.04M · min. income ≈ HK$233,066/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,703,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,992
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$125,264
−HK$3,319/mo
Today · 4.125%
HK$128,583
baseline
▲ 0.50% · 4.625%
HK$135,360
+HK$6,777/mo
Deposit HK$16.03M · loan HK$24.04M · min. income ≈ HK$257,166/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,703,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,933
−HK$8,022/mo
▼ 0.25% · 3.875%
HK$131,912
−HK$4,043/mo
Today · 4.125%
HK$135,955
baseline
▲ 0.50% · 4.625%
HK$144,228
+HK$8,273/mo
Deposit HK$12.02M · loan HK$28.05M · min. income ≈ HK$271,910/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,324
−HK$7,689/mo
▼ 0.25% · 3.875%
HK$146,141
−HK$3,872/mo
Today · 4.125%
HK$150,013
baseline
▲ 0.50% · 4.625%
HK$157,920
+HK$7,907/mo
Deposit HK$12.02M · loan HK$28.05M · min. income ≈ HK$300,026/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,485
−HK$10,314/mo
▼ 0.25% · 3.875%
HK$169,601
−HK$5,198/mo
Today · 4.125%
HK$174,799
baseline
▲ 0.50% · 4.625%
HK$185,436
+HK$10,637/mo
Deposit HK$4.01M · loan HK$36.07M · min. income ≈ HK$349,598/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,988
−HK$9,886/mo
▼ 0.25% · 3.875%
HK$187,895
−HK$4,979/mo
Today · 4.125%
HK$192,874
baseline
▲ 0.50% · 4.625%
HK$203,041
+HK$10,167/mo
Deposit HK$4.01M · loan HK$36.07M · min. income ≈ HK$385,748/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,172 · Scale 2, in force from 26 Feb 2026)