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$89,110
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$91,882
−HK$2,816/mo
Today · 4.125%
HK$94,698
baseline
▲ 0.50% · 4.625%
HK$100,460
+HK$5,762/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$189,396/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,134
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$101,792
−HK$2,698/mo
Today · 4.125%
HK$104,490
baseline
▲ 0.50% · 4.625%
HK$109,997
+HK$5,507/mo
Deposit HK$19.54M · loan HK$19.54M · min. income ≈ HK$208,980/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,932
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$110,258
−HK$3,379/mo
Today · 4.125%
HK$113,637
baseline
▲ 0.50% · 4.625%
HK$120,552
+HK$6,915/mo
Deposit HK$15.63M · loan HK$23.45M · min. income ≈ HK$227,274/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,960
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$122,151
−HK$3,237/mo
Today · 4.125%
HK$125,388
baseline
▲ 0.50% · 4.625%
HK$131,997
+HK$6,609/mo
Deposit HK$15.63M · loan HK$23.45M · min. income ≈ HK$250,776/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,754
−HK$7,823/mo
▼ 0.25% · 3.875%
HK$128,634
−HK$3,943/mo
Today · 4.125%
HK$132,577
baseline
▲ 0.50% · 4.625%
HK$140,644
+HK$8,067/mo
Deposit HK$11.72M · loan HK$27.36M · min. income ≈ HK$265,154/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,787
−HK$7,498/mo
▼ 0.25% · 3.875%
HK$142,509
−HK$3,776/mo
Today · 4.125%
HK$146,285
baseline
▲ 0.50% · 4.625%
HK$153,996
+HK$7,711/mo
Deposit HK$11.72M · loan HK$27.36M · min. income ≈ HK$292,570/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,398
−HK$10,058/mo
▼ 0.25% · 3.875%
HK$165,387
−HK$5,069/mo
Today · 4.125%
HK$170,456
baseline
▲ 0.50% · 4.625%
HK$180,828
+HK$10,372/mo
Deposit HK$3.91M · loan HK$35.17M · min. income ≈ HK$340,912/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,441
−HK$9,640/mo
▼ 0.25% · 3.875%
HK$183,226
−HK$4,855/mo
Today · 4.125%
HK$188,081
baseline
▲ 0.50% · 4.625%
HK$197,995
+HK$9,914/mo
Deposit HK$3.91M · loan HK$35.17M · min. income ≈ HK$376,162/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,851 · Scale 2, in force from 26 Feb 2026)