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$95,550
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$98,522
−HK$3,020/mo
Today · 4.125%
HK$101,542
baseline
▲ 0.50% · 4.625%
HK$107,721
+HK$6,179/mo
Deposit HK$20.95M · loan HK$20.95M · min. income ≈ HK$203,084/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$1,780,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,299
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$109,149
−HK$2,893/mo
Today · 4.125%
HK$112,042
baseline
▲ 0.50% · 4.625%
HK$117,947
+HK$5,905/mo
Deposit HK$20.95M · loan HK$20.95M · min. income ≈ HK$224,084/mo (50% DSR)
Upfront cash ≈ HK$22.73M (deposit + AVD stamp duty HK$1,780,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,660
−HK$7,190/mo
▼ 0.25% · 3.875%
HK$118,227
−HK$3,623/mo
Today · 4.125%
HK$121,850
baseline
▲ 0.50% · 4.625%
HK$129,265
+HK$7,415/mo
Deposit HK$16.76M · loan HK$25.14M · min. income ≈ HK$243,700/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,780,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,558
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$130,979
−HK$3,471/mo
Today · 4.125%
HK$134,450
baseline
▲ 0.50% · 4.625%
HK$141,537
+HK$7,087/mo
Deposit HK$16.76M · loan HK$25.14M · min. income ≈ HK$268,900/mo (50% DSR)
Upfront cash ≈ HK$18.54M (deposit + AVD stamp duty HK$1,780,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,770
−HK$8,389/mo
▼ 0.25% · 3.875%
HK$137,931
−HK$4,228/mo
Today · 4.125%
HK$142,159
baseline
▲ 0.50% · 4.625%
HK$150,809
+HK$8,650/mo
Deposit HK$12.57M · loan HK$29.33M · min. income ≈ HK$284,318/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,780,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,818
−HK$8,040/mo
▼ 0.25% · 3.875%
HK$152,809
−HK$4,049/mo
Today · 4.125%
HK$156,858
baseline
▲ 0.50% · 4.625%
HK$165,126
+HK$8,268/mo
Deposit HK$12.57M · loan HK$29.33M · min. income ≈ HK$313,716/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,780,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,990
−HK$10,786/mo
▼ 0.25% · 3.875%
HK$177,340
−HK$5,436/mo
Today · 4.125%
HK$182,776
baseline
▲ 0.50% · 4.625%
HK$193,897
+HK$11,121/mo
Deposit HK$4.19M · loan HK$37.71M · min. income ≈ HK$365,552/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,780,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,337
−HK$10,338/mo
▼ 0.25% · 3.875%
HK$196,469
−HK$5,206/mo
Today · 4.125%
HK$201,675
baseline
▲ 0.50% · 4.625%
HK$212,305
+HK$10,630/mo
Deposit HK$4.19M · loan HK$37.71M · min. income ≈ HK$403,350/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,780,889 · Scale 2, in force from 26 Feb 2026)