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$92,536
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,415
−HK$2,924/mo
Today · 4.125%
HK$98,339
baseline
▲ 0.50% · 4.625%
HK$104,323
+HK$5,984/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$196,678/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,724,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,946
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,707
−HK$2,801/mo
Today · 4.125%
HK$108,508
baseline
▲ 0.50% · 4.625%
HK$114,227
+HK$5,719/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$217,016/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$1,724,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,044
−HK$6,963/mo
▼ 0.25% · 3.875%
HK$114,498
−HK$3,509/mo
Today · 4.125%
HK$118,007
baseline
▲ 0.50% · 4.625%
HK$125,187
+HK$7,180/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$236,014/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,535
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$126,848
−HK$3,361/mo
Today · 4.125%
HK$130,209
baseline
▲ 0.50% · 4.625%
HK$137,073
+HK$6,864/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$260,418/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,551
−HK$8,124/mo
▼ 0.25% · 3.875%
HK$133,581
−HK$4,094/mo
Today · 4.125%
HK$137,675
baseline
▲ 0.50% · 4.625%
HK$146,052
+HK$8,377/mo
Deposit HK$12.17M · loan HK$28.41M · min. income ≈ HK$275,350/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,124
−HK$7,787/mo
▼ 0.25% · 3.875%
HK$147,989
−HK$3,922/mo
Today · 4.125%
HK$151,911
baseline
▲ 0.50% · 4.625%
HK$159,918
+HK$8,007/mo
Deposit HK$12.17M · loan HK$28.41M · min. income ≈ HK$303,822/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,565
−HK$10,445/mo
▼ 0.25% · 3.875%
HK$171,746
−HK$5,264/mo
Today · 4.125%
HK$177,010
baseline
▲ 0.50% · 4.625%
HK$187,781
+HK$10,771/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$354,020/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,302
−HK$10,012/mo
▼ 0.25% · 3.875%
HK$190,272
−HK$5,042/mo
Today · 4.125%
HK$195,314
baseline
▲ 0.50% · 4.625%
HK$205,609
+HK$10,295/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$390,628/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,715 · Scale 2, in force from 26 Feb 2026)