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$92,228
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,096
−HK$2,915/mo
Today · 4.125%
HK$98,011
baseline
▲ 0.50% · 4.625%
HK$103,975
+HK$5,964/mo
Deposit HK$20.22M · loan HK$20.22M · min. income ≈ HK$196,022/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$1,718,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,602
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$105,354
−HK$2,792/mo
Today · 4.125%
HK$108,146
baseline
▲ 0.50% · 4.625%
HK$113,846
+HK$5,700/mo
Deposit HK$20.22M · loan HK$20.22M · min. income ≈ HK$216,292/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$1,718,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,673
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$114,116
−HK$3,497/mo
Today · 4.125%
HK$117,613
baseline
▲ 0.50% · 4.625%
HK$124,770
+HK$7,157/mo
Deposit HK$16.18M · loan HK$24.27M · min. income ≈ HK$235,226/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,718,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,123
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$126,425
−HK$3,350/mo
Today · 4.125%
HK$129,775
baseline
▲ 0.50% · 4.625%
HK$136,615
+HK$6,840/mo
Deposit HK$16.18M · loan HK$24.27M · min. income ≈ HK$259,550/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,718,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,119
−HK$8,097/mo
▼ 0.25% · 3.875%
HK$133,135
−HK$4,081/mo
Today · 4.125%
HK$137,216
baseline
▲ 0.50% · 4.625%
HK$145,565
+HK$8,349/mo
Deposit HK$12.13M · loan HK$28.31M · min. income ≈ HK$274,432/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,718,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,643
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$147,496
−HK$3,908/mo
Today · 4.125%
HK$151,404
baseline
▲ 0.50% · 4.625%
HK$159,385
+HK$7,981/mo
Deposit HK$12.13M · loan HK$28.31M · min. income ≈ HK$302,808/mo (50% DSR)
Upfront cash ≈ HK$13.85M (deposit + AVD stamp duty HK$1,718,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,010
−HK$10,410/mo
▼ 0.25% · 3.875%
HK$171,174
−HK$5,246/mo
Today · 4.125%
HK$176,420
baseline
▲ 0.50% · 4.625%
HK$187,155
+HK$10,735/mo
Deposit HK$4.04M · loan HK$36.40M · min. income ≈ HK$352,840/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,718,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,684
−HK$9,978/mo
▼ 0.25% · 3.875%
HK$189,637
−HK$5,025/mo
Today · 4.125%
HK$194,662
baseline
▲ 0.50% · 4.625%
HK$204,923
+HK$10,261/mo
Deposit HK$4.04M · loan HK$36.40M · min. income ≈ HK$389,324/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,718,962 · Scale 2, in force from 26 Feb 2026)