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$94,001
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$96,925
−HK$2,971/mo
Today · 4.125%
HK$99,896
baseline
▲ 0.50% · 4.625%
HK$105,974
+HK$6,078/mo
Deposit HK$20.61M · loan HK$20.61M · min. income ≈ HK$199,792/mo (50% DSR)
Upfront cash ≈ HK$22.36M (deposit + AVD stamp duty HK$1,752,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,575
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$107,380
−HK$2,845/mo
Today · 4.125%
HK$110,225
baseline
▲ 0.50% · 4.625%
HK$116,035
+HK$5,810/mo
Deposit HK$20.61M · loan HK$20.61M · min. income ≈ HK$220,450/mo (50% DSR)
Upfront cash ≈ HK$22.36M (deposit + AVD stamp duty HK$1,752,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,801
−HK$7,074/mo
▼ 0.25% · 3.875%
HK$116,310
−HK$3,565/mo
Today · 4.125%
HK$119,875
baseline
▲ 0.50% · 4.625%
HK$127,169
+HK$7,294/mo
Deposit HK$16.49M · loan HK$24.73M · min. income ≈ HK$239,750/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,752,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,490
−HK$6,780/mo
▼ 0.25% · 3.875%
HK$128,856
−HK$3,414/mo
Today · 4.125%
HK$132,270
baseline
▲ 0.50% · 4.625%
HK$139,242
+HK$6,972/mo
Deposit HK$16.49M · loan HK$24.73M · min. income ≈ HK$264,540/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$1,752,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,602
−HK$8,252/mo
▼ 0.25% · 3.875%
HK$135,695
−HK$4,159/mo
Today · 4.125%
HK$139,854
baseline
▲ 0.50% · 4.625%
HK$148,364
+HK$8,510/mo
Deposit HK$12.37M · loan HK$28.86M · min. income ≈ HK$279,708/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,752,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,405
−HK$7,910/mo
▼ 0.25% · 3.875%
HK$150,332
−HK$3,983/mo
Today · 4.125%
HK$154,315
baseline
▲ 0.50% · 4.625%
HK$162,449
+HK$8,134/mo
Deposit HK$12.37M · loan HK$28.86M · min. income ≈ HK$308,630/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,752,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,202
−HK$10,610/mo
▼ 0.25% · 3.875%
HK$174,465
−HK$5,347/mo
Today · 4.125%
HK$179,812
baseline
▲ 0.50% · 4.625%
HK$190,754
+HK$10,942/mo
Deposit HK$4.12M · loan HK$37.10M · min. income ≈ HK$359,624/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,752,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,235
−HK$10,170/mo
▼ 0.25% · 3.875%
HK$193,284
−HK$5,121/mo
Today · 4.125%
HK$198,405
baseline
▲ 0.50% · 4.625%
HK$208,863
+HK$10,458/mo
Deposit HK$4.12M · loan HK$37.10M · min. income ≈ HK$396,810/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$1,752,017 · Scale 2, in force from 26 Feb 2026)