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$88,905
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,670
−HK$2,810/mo
Today · 4.125%
HK$94,480
baseline
▲ 0.50% · 4.625%
HK$100,229
+HK$5,749/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$188,960/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,657,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,906
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$101,558
−HK$2,691/mo
Today · 4.125%
HK$104,249
baseline
▲ 0.50% · 4.625%
HK$109,745
+HK$5,496/mo
Deposit HK$19.49M · loan HK$19.49M · min. income ≈ HK$208,498/mo (50% DSR)
Upfront cash ≈ HK$21.15M (deposit + AVD stamp duty HK$1,657,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,686
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$110,005
−HK$3,371/mo
Today · 4.125%
HK$113,376
baseline
▲ 0.50% · 4.625%
HK$120,275
+HK$6,899/mo
Deposit HK$15.60M · loan HK$23.39M · min. income ≈ HK$226,752/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,657,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,687
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$121,870
−HK$3,229/mo
Today · 4.125%
HK$125,099
baseline
▲ 0.50% · 4.625%
HK$131,694
+HK$6,595/mo
Deposit HK$15.60M · loan HK$23.39M · min. income ≈ HK$250,198/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,657,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,467
−HK$7,805/mo
▼ 0.25% · 3.875%
HK$128,339
−HK$3,933/mo
Today · 4.125%
HK$132,272
baseline
▲ 0.50% · 4.625%
HK$140,321
+HK$8,049/mo
Deposit HK$11.70M · loan HK$27.29M · min. income ≈ HK$264,544/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,657,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,468
−HK$7,481/mo
▼ 0.25% · 3.875%
HK$142,182
−HK$3,767/mo
Today · 4.125%
HK$145,949
baseline
▲ 0.50% · 4.625%
HK$153,642
+HK$7,693/mo
Deposit HK$11.70M · loan HK$27.29M · min. income ≈ HK$291,898/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,657,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,029
−HK$10,035/mo
▼ 0.25% · 3.875%
HK$165,007
−HK$5,057/mo
Today · 4.125%
HK$170,064
baseline
▲ 0.50% · 4.625%
HK$180,412
+HK$10,348/mo
Deposit HK$3.90M · loan HK$35.09M · min. income ≈ HK$340,128/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,031
−HK$9,618/mo
▼ 0.25% · 3.875%
HK$182,805
−HK$4,844/mo
Today · 4.125%
HK$187,649
baseline
▲ 0.50% · 4.625%
HK$197,540
+HK$9,891/mo
Deposit HK$3.90M · loan HK$35.09M · min. income ≈ HK$375,298/mo (50% DSR)
Upfront cash ≈ HK$5.56M (deposit + AVD stamp duty HK$1,657,034 · Scale 2, in force from 26 Feb 2026)