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$94,466
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$97,405
−HK$2,985/mo
Today · 4.125%
HK$100,390
baseline
▲ 0.50% · 4.625%
HK$106,499
+HK$6,109/mo
Deposit HK$20.71M · loan HK$20.71M · min. income ≈ HK$200,780/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$1,760,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,093
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$107,911
−HK$2,860/mo
Today · 4.125%
HK$110,771
baseline
▲ 0.50% · 4.625%
HK$116,610
+HK$5,839/mo
Deposit HK$20.71M · loan HK$20.71M · min. income ≈ HK$221,542/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$1,760,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,360
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$116,886
−HK$3,582/mo
Today · 4.125%
HK$120,468
baseline
▲ 0.50% · 4.625%
HK$127,798
+HK$7,330/mo
Deposit HK$16.57M · loan HK$24.86M · min. income ≈ HK$240,936/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,760,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,111
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$129,494
−HK$3,431/mo
Today · 4.125%
HK$132,925
baseline
▲ 0.50% · 4.625%
HK$139,931
+HK$7,006/mo
Deposit HK$16.57M · loan HK$24.86M · min. income ≈ HK$265,850/mo (50% DSR)
Upfront cash ≈ HK$18.33M (deposit + AVD stamp duty HK$1,760,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,253
−HK$8,293/mo
▼ 0.25% · 3.875%
HK$136,367
−HK$4,179/mo
Today · 4.125%
HK$140,546
baseline
▲ 0.50% · 4.625%
HK$149,098
+HK$8,552/mo
Deposit HK$12.43M · loan HK$29.00M · min. income ≈ HK$281,092/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,760,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,130
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$151,076
−HK$4,003/mo
Today · 4.125%
HK$155,079
baseline
▲ 0.50% · 4.625%
HK$163,253
+HK$8,174/mo
Deposit HK$12.43M · loan HK$29.00M · min. income ≈ HK$310,158/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,760,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,039
−HK$10,663/mo
▼ 0.25% · 3.875%
HK$175,329
−HK$5,373/mo
Today · 4.125%
HK$180,702
baseline
▲ 0.50% · 4.625%
HK$191,698
+HK$10,996/mo
Deposit HK$4.14M · loan HK$37.29M · min. income ≈ HK$361,404/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,760,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,167
−HK$10,220/mo
▼ 0.25% · 3.875%
HK$194,241
−HK$5,146/mo
Today · 4.125%
HK$199,387
baseline
▲ 0.50% · 4.625%
HK$209,897
+HK$10,510/mo
Deposit HK$4.14M · loan HK$37.29M · min. income ≈ HK$398,774/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,760,688 · Scale 2, in force from 26 Feb 2026)