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$91,910
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$94,769
−HK$2,904/mo
Today · 4.125%
HK$97,673
baseline
▲ 0.50% · 4.625%
HK$103,617
+HK$5,944/mo
Deposit HK$20.15M · loan HK$20.15M · min. income ≈ HK$195,346/mo (50% DSR)
Upfront cash ≈ HK$21.87M (deposit + AVD stamp duty HK$1,713,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,249
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$104,991
−HK$2,782/mo
Today · 4.125%
HK$107,773
baseline
▲ 0.50% · 4.625%
HK$113,454
+HK$5,681/mo
Deposit HK$20.15M · loan HK$20.15M · min. income ≈ HK$215,546/mo (50% DSR)
Upfront cash ≈ HK$21.87M (deposit + AVD stamp duty HK$1,713,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,292
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$113,723
−HK$3,485/mo
Today · 4.125%
HK$117,208
baseline
▲ 0.50% · 4.625%
HK$124,340
+HK$7,132/mo
Deposit HK$16.12M · loan HK$24.18M · min. income ≈ HK$234,416/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$1,713,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,699
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$125,989
−HK$3,339/mo
Today · 4.125%
HK$129,328
baseline
▲ 0.50% · 4.625%
HK$136,145
+HK$6,817/mo
Deposit HK$16.12M · loan HK$24.18M · min. income ≈ HK$258,656/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$1,713,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,674
−HK$8,069/mo
▼ 0.25% · 3.875%
HK$132,676
−HK$4,067/mo
Today · 4.125%
HK$136,743
baseline
▲ 0.50% · 4.625%
HK$145,063
+HK$8,320/mo
Deposit HK$12.09M · loan HK$28.21M · min. income ≈ HK$273,486/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,713,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,148
−HK$7,734/mo
▼ 0.25% · 3.875%
HK$146,988
−HK$3,894/mo
Today · 4.125%
HK$150,882
baseline
▲ 0.50% · 4.625%
HK$158,835
+HK$7,953/mo
Deposit HK$12.09M · loan HK$28.21M · min. income ≈ HK$301,764/mo (50% DSR)
Upfront cash ≈ HK$13.81M (deposit + AVD stamp duty HK$1,713,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,438
−HK$10,374/mo
▼ 0.25% · 3.875%
HK$170,584
−HK$5,228/mo
Today · 4.125%
HK$175,812
baseline
▲ 0.50% · 4.625%
HK$186,510
+HK$10,698/mo
Deposit HK$4.03M · loan HK$36.28M · min. income ≈ HK$351,624/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,713,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,048
−HK$9,943/mo
▼ 0.25% · 3.875%
HK$188,984
−HK$5,007/mo
Today · 4.125%
HK$193,991
baseline
▲ 0.50% · 4.625%
HK$204,217
+HK$10,226/mo
Deposit HK$4.03M · loan HK$36.28M · min. income ≈ HK$387,982/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,713,041 · Scale 2, in force from 26 Feb 2026)