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$90,724
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$93,546
−HK$2,867/mo
Today · 4.125%
HK$96,413
baseline
▲ 0.50% · 4.625%
HK$102,279
+HK$5,866/mo
Deposit HK$19.89M · loan HK$19.89M · min. income ≈ HK$192,826/mo (50% DSR)
Upfront cash ≈ HK$21.58M (deposit + AVD stamp duty HK$1,690,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,929
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$103,636
−HK$2,746/mo
Today · 4.125%
HK$106,382
baseline
▲ 0.50% · 4.625%
HK$111,990
+HK$5,608/mo
Deposit HK$19.89M · loan HK$19.89M · min. income ≈ HK$212,764/mo (50% DSR)
Upfront cash ≈ HK$21.58M (deposit + AVD stamp duty HK$1,690,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,868
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$112,255
−HK$3,440/mo
Today · 4.125%
HK$115,695
baseline
▲ 0.50% · 4.625%
HK$122,735
+HK$7,040/mo
Deposit HK$15.91M · loan HK$23.87M · min. income ≈ HK$231,390/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,690,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,115
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$124,363
−HK$3,295/mo
Today · 4.125%
HK$127,658
baseline
▲ 0.50% · 4.625%
HK$134,387
+HK$6,729/mo
Deposit HK$15.91M · loan HK$23.87M · min. income ≈ HK$255,316/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,690,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,013
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$130,964
−HK$4,014/mo
Today · 4.125%
HK$134,978
baseline
▲ 0.50% · 4.625%
HK$143,191
+HK$8,213/mo
Deposit HK$11.94M · loan HK$27.85M · min. income ≈ HK$269,956/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,690,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,301
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$145,090
−HK$3,845/mo
Today · 4.125%
HK$148,935
baseline
▲ 0.50% · 4.625%
HK$156,785
+HK$7,850/mo
Deposit HK$11.94M · loan HK$27.85M · min. income ≈ HK$297,870/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,690,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,303
−HK$10,240/mo
▼ 0.25% · 3.875%
HK$168,382
−HK$5,161/mo
Today · 4.125%
HK$173,543
baseline
▲ 0.50% · 4.625%
HK$184,103
+HK$10,560/mo
Deposit HK$3.98M · loan HK$35.81M · min. income ≈ HK$347,086/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,690,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,672
−HK$9,816/mo
▼ 0.25% · 3.875%
HK$186,545
−HK$4,943/mo
Today · 4.125%
HK$191,488
baseline
▲ 0.50% · 4.625%
HK$201,581
+HK$10,093/mo
Deposit HK$3.98M · loan HK$35.81M · min. income ≈ HK$382,976/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,690,931 · Scale 2, in force from 26 Feb 2026)