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$92,390
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,264
−HK$2,920/mo
Today · 4.125%
HK$98,184
baseline
▲ 0.50% · 4.625%
HK$104,158
+HK$5,974/mo
Deposit HK$20.26M · loan HK$20.26M · min. income ≈ HK$196,368/mo (50% DSR)
Upfront cash ≈ HK$21.98M (deposit + AVD stamp duty HK$1,721,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,783
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,540
−HK$2,796/mo
Today · 4.125%
HK$108,336
baseline
▲ 0.50% · 4.625%
HK$114,047
+HK$5,711/mo
Deposit HK$20.26M · loan HK$20.26M · min. income ≈ HK$216,672/mo (50% DSR)
Upfront cash ≈ HK$21.98M (deposit + AVD stamp duty HK$1,721,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,868
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$114,317
−HK$3,504/mo
Today · 4.125%
HK$117,821
baseline
▲ 0.50% · 4.625%
HK$124,990
+HK$7,169/mo
Deposit HK$16.21M · loan HK$24.31M · min. income ≈ HK$235,642/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,721,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,340
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$126,648
−HK$3,356/mo
Today · 4.125%
HK$130,004
baseline
▲ 0.50% · 4.625%
HK$136,856
+HK$6,852/mo
Deposit HK$16.21M · loan HK$24.31M · min. income ≈ HK$260,008/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,721,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,346
−HK$8,112/mo
▼ 0.25% · 3.875%
HK$133,370
−HK$4,088/mo
Today · 4.125%
HK$137,458
baseline
▲ 0.50% · 4.625%
HK$145,821
+HK$8,363/mo
Deposit HK$12.16M · loan HK$28.36M · min. income ≈ HK$274,916/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,721,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,897
−HK$7,774/mo
▼ 0.25% · 3.875%
HK$147,756
−HK$3,915/mo
Today · 4.125%
HK$151,671
baseline
▲ 0.50% · 4.625%
HK$159,666
+HK$7,995/mo
Deposit HK$12.16M · loan HK$28.36M · min. income ≈ HK$303,342/mo (50% DSR)
Upfront cash ≈ HK$13.88M (deposit + AVD stamp duty HK$1,721,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,302
−HK$10,429/mo
▼ 0.25% · 3.875%
HK$171,475
−HK$5,256/mo
Today · 4.125%
HK$176,731
baseline
▲ 0.50% · 4.625%
HK$187,485
+HK$10,754/mo
Deposit HK$4.05M · loan HK$36.47M · min. income ≈ HK$353,462/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,721,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,010
−HK$9,995/mo
▼ 0.25% · 3.875%
HK$189,972
−HK$5,033/mo
Today · 4.125%
HK$195,005
baseline
▲ 0.50% · 4.625%
HK$205,284
+HK$10,279/mo
Deposit HK$4.05M · loan HK$36.47M · min. income ≈ HK$390,010/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$1,721,994 · Scale 2, in force from 26 Feb 2026)