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$91,040
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$93,872
−HK$2,877/mo
Today · 4.125%
HK$96,749
baseline
▲ 0.50% · 4.625%
HK$102,636
+HK$5,887/mo
Deposit HK$19.96M · loan HK$19.96M · min. income ≈ HK$193,498/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$1,696,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,281
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$103,997
−HK$2,756/mo
Today · 4.125%
HK$106,753
baseline
▲ 0.50% · 4.625%
HK$112,380
+HK$5,627/mo
Deposit HK$19.96M · loan HK$19.96M · min. income ≈ HK$213,506/mo (50% DSR)
Upfront cash ≈ HK$21.66M (deposit + AVD stamp duty HK$1,696,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,248
−HK$6,851/mo
▼ 0.25% · 3.875%
HK$112,646
−HK$3,453/mo
Today · 4.125%
HK$116,099
baseline
▲ 0.50% · 4.625%
HK$123,163
+HK$7,064/mo
Deposit HK$15.97M · loan HK$23.96M · min. income ≈ HK$232,198/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,696,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,537
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$124,797
−HK$3,306/mo
Today · 4.125%
HK$128,103
baseline
▲ 0.50% · 4.625%
HK$134,856
+HK$6,753/mo
Deposit HK$15.97M · loan HK$23.96M · min. income ≈ HK$256,206/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,696,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,456
−HK$7,992/mo
▼ 0.25% · 3.875%
HK$131,420
−HK$4,028/mo
Today · 4.125%
HK$135,448
baseline
▲ 0.50% · 4.625%
HK$143,690
+HK$8,242/mo
Deposit HK$11.98M · loan HK$27.95M · min. income ≈ HK$270,896/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,696,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,793
−HK$7,661/mo
▼ 0.25% · 3.875%
HK$145,596
−HK$3,858/mo
Today · 4.125%
HK$149,454
baseline
▲ 0.50% · 4.625%
HK$157,332
+HK$7,878/mo
Deposit HK$11.98M · loan HK$27.95M · min. income ≈ HK$298,908/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,696,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,872
−HK$10,276/mo
▼ 0.25% · 3.875%
HK$168,969
−HK$5,179/mo
Today · 4.125%
HK$174,148
baseline
▲ 0.50% · 4.625%
HK$184,744
+HK$10,596/mo
Deposit HK$3.99M · loan HK$35.93M · min. income ≈ HK$348,296/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,696,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,306
−HK$9,849/mo
▼ 0.25% · 3.875%
HK$187,195
−HK$4,960/mo
Today · 4.125%
HK$192,155
baseline
▲ 0.50% · 4.625%
HK$202,284
+HK$10,129/mo
Deposit HK$3.99M · loan HK$35.93M · min. income ≈ HK$384,310/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$1,696,823 · Scale 2, in force from 26 Feb 2026)