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$89,229
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$92,004
−HK$2,820/mo
Today · 4.125%
HK$94,824
baseline
▲ 0.50% · 4.625%
HK$100,594
+HK$5,770/mo
Deposit HK$19.57M · loan HK$19.57M · min. income ≈ HK$189,648/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,663,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,266
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,928
−HK$2,701/mo
Today · 4.125%
HK$104,629
baseline
▲ 0.50% · 4.625%
HK$110,144
+HK$5,515/mo
Deposit HK$19.57M · loan HK$19.57M · min. income ≈ HK$209,258/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$1,663,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,074
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$110,405
−HK$3,384/mo
Today · 4.125%
HK$113,789
baseline
▲ 0.50% · 4.625%
HK$120,713
+HK$6,924/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$227,578/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,663,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,119
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$122,314
−HK$3,241/mo
Today · 4.125%
HK$125,555
baseline
▲ 0.50% · 4.625%
HK$132,173
+HK$6,618/mo
Deposit HK$15.65M · loan HK$23.48M · min. income ≈ HK$251,110/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,663,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,920
−HK$7,834/mo
▼ 0.25% · 3.875%
HK$128,806
−HK$3,948/mo
Today · 4.125%
HK$132,754
baseline
▲ 0.50% · 4.625%
HK$140,832
+HK$8,078/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$265,508/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,663,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,973
−HK$7,508/mo
▼ 0.25% · 3.875%
HK$142,700
−HK$3,781/mo
Today · 4.125%
HK$146,481
baseline
▲ 0.50% · 4.625%
HK$154,202
+HK$7,721/mo
Deposit HK$11.74M · loan HK$27.39M · min. income ≈ HK$292,962/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,663,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,612
−HK$10,072/mo
▼ 0.25% · 3.875%
HK$165,608
−HK$5,076/mo
Today · 4.125%
HK$170,684
baseline
▲ 0.50% · 4.625%
HK$181,069
+HK$10,385/mo
Deposit HK$3.91M · loan HK$35.22M · min. income ≈ HK$341,368/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,679
−HK$9,653/mo
▼ 0.25% · 3.875%
HK$183,471
−HK$4,861/mo
Today · 4.125%
HK$188,332
baseline
▲ 0.50% · 4.625%
HK$198,260
+HK$9,928/mo
Deposit HK$3.91M · loan HK$35.22M · min. income ≈ HK$376,664/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,663,069 · Scale 2, in force from 26 Feb 2026)