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$94,790
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$97,738
−HK$2,996/mo
Today · 4.125%
HK$100,734
baseline
▲ 0.50% · 4.625%
HK$106,863
+HK$6,129/mo
Deposit HK$20.78M · loan HK$20.78M · min. income ≈ HK$201,468/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$1,766,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,452
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$108,281
−HK$2,869/mo
Today · 4.125%
HK$111,150
baseline
▲ 0.50% · 4.625%
HK$117,009
+HK$5,859/mo
Deposit HK$20.78M · loan HK$20.78M · min. income ≈ HK$222,300/mo (50% DSR)
Upfront cash ≈ HK$22.55M (deposit + AVD stamp duty HK$1,766,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,748
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$117,286
−HK$3,594/mo
Today · 4.125%
HK$120,880
baseline
▲ 0.50% · 4.625%
HK$128,236
+HK$7,356/mo
Deposit HK$16.63M · loan HK$24.94M · min. income ≈ HK$241,760/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,766,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,543
−HK$6,837/mo
▼ 0.25% · 3.875%
HK$129,937
−HK$3,443/mo
Today · 4.125%
HK$133,380
baseline
▲ 0.50% · 4.625%
HK$140,410
+HK$7,030/mo
Deposit HK$16.63M · loan HK$24.94M · min. income ≈ HK$266,760/mo (50% DSR)
Upfront cash ≈ HK$18.39M (deposit + AVD stamp duty HK$1,766,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,705
−HK$8,322/mo
▼ 0.25% · 3.875%
HK$136,833
−HK$4,194/mo
Today · 4.125%
HK$141,027
baseline
▲ 0.50% · 4.625%
HK$149,608
+HK$8,581/mo
Deposit HK$12.47M · loan HK$29.10M · min. income ≈ HK$282,054/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,766,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,633
−HK$7,977/mo
▼ 0.25% · 3.875%
HK$151,593
−HK$4,017/mo
Today · 4.125%
HK$155,610
baseline
▲ 0.50% · 4.625%
HK$163,812
+HK$8,202/mo
Deposit HK$12.47M · loan HK$29.10M · min. income ≈ HK$311,220/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,766,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,621
−HK$10,700/mo
▼ 0.25% · 3.875%
HK$175,929
−HK$5,392/mo
Today · 4.125%
HK$181,321
baseline
▲ 0.50% · 4.625%
HK$192,354
+HK$11,033/mo
Deposit HK$4.16M · loan HK$37.41M · min. income ≈ HK$362,642/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,766,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,814
−HK$10,256/mo
▼ 0.25% · 3.875%
HK$194,905
−HK$5,165/mo
Today · 4.125%
HK$200,070
baseline
▲ 0.50% · 4.625%
HK$210,615
+HK$10,545/mo
Deposit HK$4.16M · loan HK$37.41M · min. income ≈ HK$400,140/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,766,713 · Scale 2, in force from 26 Feb 2026)