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$92,821
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$95,709
−HK$2,933/mo
Today · 4.125%
HK$98,642
baseline
▲ 0.50% · 4.625%
HK$104,644
+HK$6,002/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$197,284/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,730,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,263
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$106,032
−HK$2,810/mo
Today · 4.125%
HK$108,842
baseline
▲ 0.50% · 4.625%
HK$114,579
+HK$5,737/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$217,684/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,730,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,386
−HK$6,985/mo
▼ 0.25% · 3.875%
HK$114,851
−HK$3,520/mo
Today · 4.125%
HK$118,371
baseline
▲ 0.50% · 4.625%
HK$125,573
+HK$7,202/mo
Deposit HK$16.28M · loan HK$24.42M · min. income ≈ HK$236,742/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,730,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,916
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$127,239
−HK$3,371/mo
Today · 4.125%
HK$130,610
baseline
▲ 0.50% · 4.625%
HK$137,495
+HK$6,885/mo
Deposit HK$16.28M · loan HK$24.42M · min. income ≈ HK$261,220/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,730,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,950
−HK$8,149/mo
▼ 0.25% · 3.875%
HK$133,992
−HK$4,107/mo
Today · 4.125%
HK$138,099
baseline
▲ 0.50% · 4.625%
HK$146,502
+HK$8,403/mo
Deposit HK$12.21M · loan HK$28.49M · min. income ≈ HK$276,198/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,730,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,568
−HK$7,811/mo
▼ 0.25% · 3.875%
HK$148,445
−HK$3,934/mo
Today · 4.125%
HK$152,379
baseline
▲ 0.50% · 4.625%
HK$160,411
+HK$8,032/mo
Deposit HK$12.21M · loan HK$28.49M · min. income ≈ HK$304,758/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,730,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,079
−HK$10,477/mo
▼ 0.25% · 3.875%
HK$172,276
−HK$5,280/mo
Today · 4.125%
HK$177,556
baseline
▲ 0.50% · 4.625%
HK$188,360
+HK$10,804/mo
Deposit HK$4.07M · loan HK$36.64M · min. income ≈ HK$355,112/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,730,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,873
−HK$10,042/mo
▼ 0.25% · 3.875%
HK$190,858
−HK$5,057/mo
Today · 4.125%
HK$195,915
baseline
▲ 0.50% · 4.625%
HK$206,242
+HK$10,327/mo
Deposit HK$4.07M · loan HK$36.64M · min. income ≈ HK$391,830/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,730,031 · Scale 2, in force from 26 Feb 2026)