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$90,191
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$92,996
−HK$2,850/mo
Today · 4.125%
HK$95,846
baseline
▲ 0.50% · 4.625%
HK$101,678
+HK$5,832/mo
Deposit HK$19.78M · loan HK$19.78M · min. income ≈ HK$191,692/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$1,680,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,336
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$103,027
−HK$2,730/mo
Today · 4.125%
HK$105,757
baseline
▲ 0.50% · 4.625%
HK$111,332
+HK$5,575/mo
Deposit HK$19.78M · loan HK$19.78M · min. income ≈ HK$211,514/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$1,680,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,229
−HK$6,787/mo
▼ 0.25% · 3.875%
HK$111,595
−HK$3,421/mo
Today · 4.125%
HK$115,016
baseline
▲ 0.50% · 4.625%
HK$122,014
+HK$6,998/mo
Deposit HK$15.82M · loan HK$23.73M · min. income ≈ HK$230,032/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,403
−HK$6,505/mo
▼ 0.25% · 3.875%
HK$123,633
−HK$3,275/mo
Today · 4.125%
HK$126,908
baseline
▲ 0.50% · 4.625%
HK$133,598
+HK$6,690/mo
Deposit HK$15.82M · loan HK$23.73M · min. income ≈ HK$253,816/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,267
−HK$7,918/mo
▼ 0.25% · 3.875%
HK$130,195
−HK$3,990/mo
Today · 4.125%
HK$134,185
baseline
▲ 0.50% · 4.625%
HK$142,350
+HK$8,165/mo
Deposit HK$11.87M · loan HK$27.69M · min. income ≈ HK$268,370/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,680,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,471
−HK$7,589/mo
▼ 0.25% · 3.875%
HK$144,238
−HK$3,822/mo
Today · 4.125%
HK$148,060
baseline
▲ 0.50% · 4.625%
HK$155,864
+HK$7,804/mo
Deposit HK$11.87M · loan HK$27.69M · min. income ≈ HK$296,120/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,680,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,343
−HK$10,181/mo
▼ 0.25% · 3.875%
HK$167,393
−HK$5,131/mo
Today · 4.125%
HK$172,524
baseline
▲ 0.50% · 4.625%
HK$183,021
+HK$10,497/mo
Deposit HK$3.96M · loan HK$35.60M · min. income ≈ HK$345,048/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,680,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,605
−HK$9,758/mo
▼ 0.25% · 3.875%
HK$185,449
−HK$4,914/mo
Today · 4.125%
HK$190,363
baseline
▲ 0.50% · 4.625%
HK$200,397
+HK$10,034/mo
Deposit HK$3.96M · loan HK$35.60M · min. income ≈ HK$380,726/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,680,997 · Scale 2, in force from 26 Feb 2026)