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$94,862
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$97,813
−HK$2,998/mo
Today · 4.125%
HK$100,811
baseline
▲ 0.50% · 4.625%
HK$106,945
+HK$6,134/mo
Deposit HK$20.80M · loan HK$20.80M · min. income ≈ HK$201,622/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$1,768,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,533
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$108,364
−HK$2,871/mo
Today · 4.125%
HK$111,235
baseline
▲ 0.50% · 4.625%
HK$117,098
+HK$5,863/mo
Deposit HK$20.80M · loan HK$20.80M · min. income ≈ HK$222,470/mo (50% DSR)
Upfront cash ≈ HK$22.57M (deposit + AVD stamp duty HK$1,768,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,835
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$117,375
−HK$3,598/mo
Today · 4.125%
HK$120,973
baseline
▲ 0.50% · 4.625%
HK$128,334
+HK$7,361/mo
Deposit HK$16.64M · loan HK$24.96M · min. income ≈ HK$241,946/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,768,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,640
−HK$6,842/mo
▼ 0.25% · 3.875%
HK$130,036
−HK$3,446/mo
Today · 4.125%
HK$133,482
baseline
▲ 0.50% · 4.625%
HK$140,518
+HK$7,036/mo
Deposit HK$16.64M · loan HK$24.96M · min. income ≈ HK$266,964/mo (50% DSR)
Upfront cash ≈ HK$18.41M (deposit + AVD stamp duty HK$1,768,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,807
−HK$8,328/mo
▼ 0.25% · 3.875%
HK$136,938
−HK$4,197/mo
Today · 4.125%
HK$141,135
baseline
▲ 0.50% · 4.625%
HK$149,723
+HK$8,588/mo
Deposit HK$12.48M · loan HK$29.12M · min. income ≈ HK$282,270/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,768,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,746
−HK$7,983/mo
▼ 0.25% · 3.875%
HK$151,709
−HK$4,020/mo
Today · 4.125%
HK$155,729
baseline
▲ 0.50% · 4.625%
HK$163,937
+HK$8,208/mo
Deposit HK$12.48M · loan HK$29.12M · min. income ≈ HK$311,458/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,768,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,752
−HK$10,707/mo
▼ 0.25% · 3.875%
HK$176,063
−HK$5,396/mo
Today · 4.125%
HK$181,459
baseline
▲ 0.50% · 4.625%
HK$192,501
+HK$11,042/mo
Deposit HK$4.16M · loan HK$37.44M · min. income ≈ HK$362,918/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,768,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,960
−HK$10,263/mo
▼ 0.25% · 3.875%
HK$195,054
−HK$5,169/mo
Today · 4.125%
HK$200,223
baseline
▲ 0.50% · 4.625%
HK$210,777
+HK$10,554/mo
Deposit HK$4.16M · loan HK$37.44M · min. income ≈ HK$400,446/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,768,065 · Scale 2, in force from 26 Feb 2026)