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$93,823
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$96,741
−HK$2,965/mo
Today · 4.125%
HK$99,706
baseline
▲ 0.50% · 4.625%
HK$105,773
+HK$6,067/mo
Deposit HK$20.57M · loan HK$20.57M · min. income ≈ HK$199,412/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$1,748,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,377
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$107,176
−HK$2,840/mo
Today · 4.125%
HK$110,016
baseline
▲ 0.50% · 4.625%
HK$115,815
+HK$5,799/mo
Deposit HK$20.57M · loan HK$20.57M · min. income ≈ HK$220,032/mo (50% DSR)
Upfront cash ≈ HK$22.32M (deposit + AVD stamp duty HK$1,748,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,587
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$116,089
−HK$3,559/mo
Today · 4.125%
HK$119,648
baseline
▲ 0.50% · 4.625%
HK$126,928
+HK$7,280/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$239,296/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,748,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,252
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$128,611
−HK$3,408/mo
Today · 4.125%
HK$132,019
baseline
▲ 0.50% · 4.625%
HK$138,978
+HK$6,959/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$264,038/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,748,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,352
−HK$8,237/mo
▼ 0.25% · 3.875%
HK$135,438
−HK$4,151/mo
Today · 4.125%
HK$139,589
baseline
▲ 0.50% · 4.625%
HK$148,082
+HK$8,493/mo
Deposit HK$12.34M · loan HK$28.80M · min. income ≈ HK$279,178/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,748,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,128
−HK$7,895/mo
▼ 0.25% · 3.875%
HK$150,047
−HK$3,976/mo
Today · 4.125%
HK$154,023
baseline
▲ 0.50% · 4.625%
HK$162,141
+HK$8,118/mo
Deposit HK$12.34M · loan HK$28.80M · min. income ≈ HK$308,046/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,748,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,881
−HK$10,590/mo
▼ 0.25% · 3.875%
HK$174,134
−HK$5,337/mo
Today · 4.125%
HK$179,471
baseline
▲ 0.50% · 4.625%
HK$190,392
+HK$10,921/mo
Deposit HK$4.11M · loan HK$37.03M · min. income ≈ HK$358,942/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,748,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,878
−HK$10,151/mo
▼ 0.25% · 3.875%
HK$192,917
−HK$5,112/mo
Today · 4.125%
HK$198,029
baseline
▲ 0.50% · 4.625%
HK$208,467
+HK$10,438/mo
Deposit HK$4.11M · loan HK$37.03M · min. income ≈ HK$396,058/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,748,694 · Scale 2, in force from 26 Feb 2026)