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$93,043
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$95,937
−HK$2,940/mo
Today · 4.125%
HK$98,877
baseline
▲ 0.50% · 4.625%
HK$104,894
+HK$6,017/mo
Deposit HK$20.40M · loan HK$20.40M · min. income ≈ HK$197,754/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$1,734,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,509
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$106,285
−HK$2,816/mo
Today · 4.125%
HK$109,101
baseline
▲ 0.50% · 4.625%
HK$114,852
+HK$5,751/mo
Deposit HK$20.40M · loan HK$20.40M · min. income ≈ HK$218,202/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$1,734,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,651
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$115,124
−HK$3,529/mo
Today · 4.125%
HK$118,653
baseline
▲ 0.50% · 4.625%
HK$125,872
+HK$7,219/mo
Deposit HK$16.32M · loan HK$24.48M · min. income ≈ HK$237,306/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,734,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,211
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$127,542
−HK$3,379/mo
Today · 4.125%
HK$130,921
baseline
▲ 0.50% · 4.625%
HK$137,822
+HK$6,901/mo
Deposit HK$16.32M · loan HK$24.48M · min. income ≈ HK$261,842/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,734,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,260
−HK$8,168/mo
▼ 0.25% · 3.875%
HK$134,311
−HK$4,117/mo
Today · 4.125%
HK$138,428
baseline
▲ 0.50% · 4.625%
HK$146,851
+HK$8,423/mo
Deposit HK$12.24M · loan HK$28.56M · min. income ≈ HK$276,856/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,734,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,912
−HK$7,830/mo
▼ 0.25% · 3.875%
HK$148,799
−HK$3,943/mo
Today · 4.125%
HK$152,742
baseline
▲ 0.50% · 4.625%
HK$160,793
+HK$8,051/mo
Deposit HK$12.24M · loan HK$28.56M · min. income ≈ HK$305,484/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,734,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,477
−HK$10,502/mo
▼ 0.25% · 3.875%
HK$172,686
−HK$5,293/mo
Today · 4.125%
HK$177,979
baseline
▲ 0.50% · 4.625%
HK$188,808
+HK$10,829/mo
Deposit HK$4.08M · loan HK$36.72M · min. income ≈ HK$355,958/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,734,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,316
−HK$10,066/mo
▼ 0.25% · 3.875%
HK$191,313
−HK$5,069/mo
Today · 4.125%
HK$196,382
baseline
▲ 0.50% · 4.625%
HK$206,734
+HK$10,352/mo
Deposit HK$4.08M · loan HK$36.72M · min. income ≈ HK$392,764/mo (50% DSR)
Upfront cash ≈ HK$5.81M (deposit + AVD stamp duty HK$1,734,151 · Scale 2, in force from 26 Feb 2026)