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$95,126
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$98,085
−HK$3,006/mo
Today · 4.125%
HK$101,091
baseline
▲ 0.50% · 4.625%
HK$107,242
+HK$6,151/mo
Deposit HK$20.86M · loan HK$20.86M · min. income ≈ HK$202,182/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$1,772,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,827
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$108,665
−HK$2,879/mo
Today · 4.125%
HK$111,544
baseline
▲ 0.50% · 4.625%
HK$117,424
+HK$5,880/mo
Deposit HK$20.86M · loan HK$20.86M · min. income ≈ HK$223,088/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$1,772,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,151
−HK$7,158/mo
▼ 0.25% · 3.875%
HK$117,702
−HK$3,607/mo
Today · 4.125%
HK$121,309
baseline
▲ 0.50% · 4.625%
HK$128,691
+HK$7,382/mo
Deposit HK$16.69M · loan HK$25.03M · min. income ≈ HK$242,618/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,772,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,992
−HK$6,861/mo
▼ 0.25% · 3.875%
HK$130,398
−HK$3,455/mo
Today · 4.125%
HK$133,853
baseline
▲ 0.50% · 4.625%
HK$140,909
+HK$7,056/mo
Deposit HK$16.69M · loan HK$25.03M · min. income ≈ HK$267,706/mo (50% DSR)
Upfront cash ≈ HK$18.46M (deposit + AVD stamp duty HK$1,772,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,176
−HK$8,352/mo
▼ 0.25% · 3.875%
HK$137,319
−HK$4,209/mo
Today · 4.125%
HK$141,528
baseline
▲ 0.50% · 4.625%
HK$150,139
+HK$8,611/mo
Deposit HK$12.52M · loan HK$29.20M · min. income ≈ HK$283,056/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,772,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,157
−HK$8,005/mo
▼ 0.25% · 3.875%
HK$152,131
−HK$4,031/mo
Today · 4.125%
HK$156,162
baseline
▲ 0.50% · 4.625%
HK$164,393
+HK$8,231/mo
Deposit HK$12.52M · loan HK$29.20M · min. income ≈ HK$312,324/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,772,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,227
−HK$10,737/mo
▼ 0.25% · 3.875%
HK$176,553
−HK$5,411/mo
Today · 4.125%
HK$181,964
baseline
▲ 0.50% · 4.625%
HK$193,036
+HK$11,072/mo
Deposit HK$4.17M · loan HK$37.55M · min. income ≈ HK$363,928/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,488
−HK$10,291/mo
▼ 0.25% · 3.875%
HK$195,597
−HK$5,182/mo
Today · 4.125%
HK$200,779
baseline
▲ 0.50% · 4.625%
HK$211,363
+HK$10,584/mo
Deposit HK$4.17M · loan HK$37.55M · min. income ≈ HK$401,558/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,772,982 · Scale 2, in force from 26 Feb 2026)