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$90,217
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$93,024
−HK$2,851/mo
Today · 4.125%
HK$95,875
baseline
▲ 0.50% · 4.625%
HK$101,708
+HK$5,833/mo
Deposit HK$19.78M · loan HK$19.78M · min. income ≈ HK$191,750/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$1,681,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,366
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$103,058
−HK$2,730/mo
Today · 4.125%
HK$105,788
baseline
▲ 0.50% · 4.625%
HK$111,364
+HK$5,576/mo
Deposit HK$19.78M · loan HK$19.78M · min. income ≈ HK$211,576/mo (50% DSR)
Upfront cash ≈ HK$21.46M (deposit + AVD stamp duty HK$1,681,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,261
−HK$6,789/mo
▼ 0.25% · 3.875%
HK$111,628
−HK$3,422/mo
Today · 4.125%
HK$115,050
baseline
▲ 0.50% · 4.625%
HK$122,050
+HK$7,000/mo
Deposit HK$15.83M · loan HK$23.74M · min. income ≈ HK$230,100/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,681,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,439
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$123,669
−HK$3,277/mo
Today · 4.125%
HK$126,946
baseline
▲ 0.50% · 4.625%
HK$133,637
+HK$6,691/mo
Deposit HK$15.83M · loan HK$23.74M · min. income ≈ HK$253,892/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,681,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,304
−HK$7,921/mo
▼ 0.25% · 3.875%
HK$130,233
−HK$3,992/mo
Today · 4.125%
HK$134,225
baseline
▲ 0.50% · 4.625%
HK$142,392
+HK$8,167/mo
Deposit HK$11.87M · loan HK$27.70M · min. income ≈ HK$268,450/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,681,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,512
−HK$7,592/mo
▼ 0.25% · 3.875%
HK$144,281
−HK$3,823/mo
Today · 4.125%
HK$148,104
baseline
▲ 0.50% · 4.625%
HK$155,910
+HK$7,806/mo
Deposit HK$11.87M · loan HK$27.70M · min. income ≈ HK$296,208/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,681,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,391
−HK$10,183/mo
▼ 0.25% · 3.875%
HK$167,442
−HK$5,132/mo
Today · 4.125%
HK$172,574
baseline
▲ 0.50% · 4.625%
HK$183,075
+HK$10,501/mo
Deposit HK$3.96M · loan HK$35.61M · min. income ≈ HK$345,148/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,681,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,658
−HK$9,761/mo
▼ 0.25% · 3.875%
HK$185,504
−HK$4,915/mo
Today · 4.125%
HK$190,419
baseline
▲ 0.50% · 4.625%
HK$200,456
+HK$10,037/mo
Deposit HK$3.96M · loan HK$35.61M · min. income ≈ HK$380,838/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,681,493 · Scale 2, in force from 26 Feb 2026)