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$89,604
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$92,391
−HK$2,832/mo
Today · 4.125%
HK$95,223
baseline
▲ 0.50% · 4.625%
HK$101,017
+HK$5,794/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$190,446/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,670,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,684
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$102,357
−HK$2,712/mo
Today · 4.125%
HK$105,069
baseline
▲ 0.50% · 4.625%
HK$110,608
+HK$5,539/mo
Deposit HK$19.65M · loan HK$19.65M · min. income ≈ HK$210,138/mo (50% DSR)
Upfront cash ≈ HK$21.32M (deposit + AVD stamp duty HK$1,670,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,525
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$110,870
−HK$3,398/mo
Today · 4.125%
HK$114,268
baseline
▲ 0.50% · 4.625%
HK$121,221
+HK$6,953/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$228,536/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,670,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,620
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$122,829
−HK$3,254/mo
Today · 4.125%
HK$126,083
baseline
▲ 0.50% · 4.625%
HK$132,729
+HK$6,646/mo
Deposit HK$15.72M · loan HK$23.58M · min. income ≈ HK$252,166/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,670,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,446
−HK$7,866/mo
▼ 0.25% · 3.875%
HK$129,348
−HK$3,964/mo
Today · 4.125%
HK$133,312
baseline
▲ 0.50% · 4.625%
HK$141,424
+HK$8,112/mo
Deposit HK$11.79M · loan HK$27.51M · min. income ≈ HK$266,624/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,557
−HK$7,540/mo
▼ 0.25% · 3.875%
HK$143,300
−HK$3,797/mo
Today · 4.125%
HK$147,097
baseline
▲ 0.50% · 4.625%
HK$154,851
+HK$7,754/mo
Deposit HK$11.79M · loan HK$27.51M · min. income ≈ HK$294,194/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,670,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,287
−HK$10,115/mo
▼ 0.25% · 3.875%
HK$166,304
−HK$5,098/mo
Today · 4.125%
HK$171,402
baseline
▲ 0.50% · 4.625%
HK$181,831
+HK$10,429/mo
Deposit HK$3.93M · loan HK$35.37M · min. income ≈ HK$342,804/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,431
−HK$9,694/mo
▼ 0.25% · 3.875%
HK$184,243
−HK$4,882/mo
Today · 4.125%
HK$189,125
baseline
▲ 0.50% · 4.625%
HK$199,094
+HK$9,969/mo
Deposit HK$3.93M · loan HK$35.37M · min. income ≈ HK$378,250/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,670,066 · Scale 2, in force from 26 Feb 2026)