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$91,775
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$94,630
−HK$2,900/mo
Today · 4.125%
HK$97,530
baseline
▲ 0.50% · 4.625%
HK$103,465
+HK$5,935/mo
Deposit HK$20.12M · loan HK$20.12M · min. income ≈ HK$195,060/mo (50% DSR)
Upfront cash ≈ HK$21.83M (deposit + AVD stamp duty HK$1,710,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,099
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$104,837
−HK$2,778/mo
Today · 4.125%
HK$107,615
baseline
▲ 0.50% · 4.625%
HK$113,288
+HK$5,673/mo
Deposit HK$20.12M · loan HK$20.12M · min. income ≈ HK$215,230/mo (50% DSR)
Upfront cash ≈ HK$21.83M (deposit + AVD stamp duty HK$1,710,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,130
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$113,556
−HK$3,480/mo
Today · 4.125%
HK$117,036
baseline
▲ 0.50% · 4.625%
HK$124,158
+HK$7,122/mo
Deposit HK$16.10M · loan HK$24.15M · min. income ≈ HK$234,072/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,710,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,519
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$125,805
−HK$3,333/mo
Today · 4.125%
HK$129,138
baseline
▲ 0.50% · 4.625%
HK$135,945
+HK$6,807/mo
Deposit HK$16.10M · loan HK$24.15M · min. income ≈ HK$258,276/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,710,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,485
−HK$8,057/mo
▼ 0.25% · 3.875%
HK$132,482
−HK$4,060/mo
Today · 4.125%
HK$136,542
baseline
▲ 0.50% · 4.625%
HK$144,851
+HK$8,309/mo
Deposit HK$12.07M · loan HK$28.17M · min. income ≈ HK$273,084/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,710,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,938
−HK$7,723/mo
▼ 0.25% · 3.875%
HK$146,772
−HK$3,889/mo
Today · 4.125%
HK$150,661
baseline
▲ 0.50% · 4.625%
HK$158,603
+HK$7,942/mo
Deposit HK$12.07M · loan HK$28.17M · min. income ≈ HK$301,322/mo (50% DSR)
Upfront cash ≈ HK$13.78M (deposit + AVD stamp duty HK$1,710,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,195
−HK$10,359/mo
▼ 0.25% · 3.875%
HK$170,334
−HK$5,220/mo
Today · 4.125%
HK$175,554
baseline
▲ 0.50% · 4.625%
HK$186,236
+HK$10,682/mo
Deposit HK$4.02M · loan HK$36.22M · min. income ≈ HK$351,108/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,710,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,778
−HK$9,929/mo
▼ 0.25% · 3.875%
HK$188,707
−HK$5,000/mo
Today · 4.125%
HK$193,707
baseline
▲ 0.50% · 4.625%
HK$203,918
+HK$10,211/mo
Deposit HK$4.02M · loan HK$36.22M · min. income ≈ HK$387,414/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,710,528 · Scale 2, in force from 26 Feb 2026)