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$89,666
−HK$5,623/mo
▼ 0.25% · 3.875%
HK$92,455
−HK$2,834/mo
Today · 4.125%
HK$95,289
baseline
▲ 0.50% · 4.625%
HK$101,087
+HK$5,798/mo
Deposit HK$19.66M · loan HK$19.66M · min. income ≈ HK$190,578/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$1,671,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,752
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$102,427
−HK$2,714/mo
Today · 4.125%
HK$105,141
baseline
▲ 0.50% · 4.625%
HK$110,684
+HK$5,543/mo
Deposit HK$19.66M · loan HK$19.66M · min. income ≈ HK$210,282/mo (50% DSR)
Upfront cash ≈ HK$21.33M (deposit + AVD stamp duty HK$1,671,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,599
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$110,946
−HK$3,400/mo
Today · 4.125%
HK$114,346
baseline
▲ 0.50% · 4.625%
HK$121,304
+HK$6,958/mo
Deposit HK$15.73M · loan HK$23.59M · min. income ≈ HK$228,692/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,671,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,703
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$122,913
−HK$3,257/mo
Today · 4.125%
HK$126,170
baseline
▲ 0.50% · 4.625%
HK$132,820
+HK$6,650/mo
Deposit HK$15.73M · loan HK$23.59M · min. income ≈ HK$252,340/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,671,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,532
−HK$7,872/mo
▼ 0.25% · 3.875%
HK$129,437
−HK$3,967/mo
Today · 4.125%
HK$133,404
baseline
▲ 0.50% · 4.625%
HK$141,521
+HK$8,117/mo
Deposit HK$11.80M · loan HK$27.53M · min. income ≈ HK$266,808/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,671,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,653
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$143,398
−HK$3,800/mo
Today · 4.125%
HK$147,198
baseline
▲ 0.50% · 4.625%
HK$154,957
+HK$7,759/mo
Deposit HK$11.80M · loan HK$27.53M · min. income ≈ HK$294,396/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,671,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,398
−HK$10,121/mo
▼ 0.25% · 3.875%
HK$166,419
−HK$5,100/mo
Today · 4.125%
HK$171,519
baseline
▲ 0.50% · 4.625%
HK$181,956
+HK$10,437/mo
Deposit HK$3.93M · loan HK$35.39M · min. income ≈ HK$343,038/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,671,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,554
−HK$9,701/mo
▼ 0.25% · 3.875%
HK$184,369
−HK$4,886/mo
Today · 4.125%
HK$189,255
baseline
▲ 0.50% · 4.625%
HK$199,231
+HK$9,976/mo
Deposit HK$3.93M · loan HK$35.39M · min. income ≈ HK$378,510/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,671,212 · Scale 2, in force from 26 Feb 2026)