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$91,466
−HK$5,736/mo
▼ 0.25% · 3.875%
HK$94,312
−HK$2,890/mo
Today · 4.125%
HK$97,202
baseline
▲ 0.50% · 4.625%
HK$103,117
+HK$5,915/mo
Deposit HK$20.06M · loan HK$20.06M · min. income ≈ HK$194,404/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$1,704,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,755
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$104,484
−HK$2,769/mo
Today · 4.125%
HK$107,253
baseline
▲ 0.50% · 4.625%
HK$112,906
+HK$5,653/mo
Deposit HK$20.06M · loan HK$20.06M · min. income ≈ HK$214,506/mo (50% DSR)
Upfront cash ≈ HK$21.76M (deposit + AVD stamp duty HK$1,704,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,760
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$113,174
−HK$3,469/mo
Today · 4.125%
HK$116,643
baseline
▲ 0.50% · 4.625%
HK$123,740
+HK$7,097/mo
Deposit HK$16.04M · loan HK$24.07M · min. income ≈ HK$233,286/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,704,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,107
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$125,381
−HK$3,323/mo
Today · 4.125%
HK$128,704
baseline
▲ 0.50% · 4.625%
HK$135,488
+HK$6,784/mo
Deposit HK$16.04M · loan HK$24.07M · min. income ≈ HK$257,408/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,704,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,053
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$132,036
−HK$4,047/mo
Today · 4.125%
HK$136,083
baseline
▲ 0.50% · 4.625%
HK$144,363
+HK$8,280/mo
Deposit HK$12.03M · loan HK$28.08M · min. income ≈ HK$272,166/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,704,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,458
−HK$7,696/mo
▼ 0.25% · 3.875%
HK$146,278
−HK$3,876/mo
Today · 4.125%
HK$150,154
baseline
▲ 0.50% · 4.625%
HK$158,069
+HK$7,915/mo
Deposit HK$12.03M · loan HK$28.08M · min. income ≈ HK$300,308/mo (50% DSR)
Upfront cash ≈ HK$13.74M (deposit + AVD stamp duty HK$1,704,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,640
−HK$10,324/mo
▼ 0.25% · 3.875%
HK$169,761
−HK$5,203/mo
Today · 4.125%
HK$174,964
baseline
▲ 0.50% · 4.625%
HK$185,610
+HK$10,646/mo
Deposit HK$4.01M · loan HK$36.10M · min. income ≈ HK$349,928/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,704,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,160
−HK$9,895/mo
▼ 0.25% · 3.875%
HK$188,072
−HK$4,983/mo
Today · 4.125%
HK$193,055
baseline
▲ 0.50% · 4.625%
HK$203,232
+HK$10,177/mo
Deposit HK$4.01M · loan HK$36.10M · min. income ≈ HK$386,110/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$1,704,775 · Scale 2, in force from 26 Feb 2026)