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$93,216
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$96,116
−HK$2,946/mo
Today · 4.125%
HK$99,062
baseline
▲ 0.50% · 4.625%
HK$105,090
+HK$6,028/mo
Deposit HK$20.44M · loan HK$20.44M · min. income ≈ HK$198,124/mo (50% DSR)
Upfront cash ≈ HK$22.18M (deposit + AVD stamp duty HK$1,737,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,702
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$106,484
−HK$2,821/mo
Today · 4.125%
HK$109,305
baseline
▲ 0.50% · 4.625%
HK$115,067
+HK$5,762/mo
Deposit HK$20.44M · loan HK$20.44M · min. income ≈ HK$218,610/mo (50% DSR)
Upfront cash ≈ HK$22.18M (deposit + AVD stamp duty HK$1,737,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,860
−HK$7,014/mo
▼ 0.25% · 3.875%
HK$115,339
−HK$3,535/mo
Today · 4.125%
HK$118,874
baseline
▲ 0.50% · 4.625%
HK$126,108
+HK$7,234/mo
Deposit HK$16.35M · loan HK$24.53M · min. income ≈ HK$237,748/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$1,737,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,443
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$127,780
−HK$3,386/mo
Today · 4.125%
HK$131,166
baseline
▲ 0.50% · 4.625%
HK$138,080
+HK$6,914/mo
Deposit HK$16.35M · loan HK$24.53M · min. income ≈ HK$262,332/mo (50% DSR)
Upfront cash ≈ HK$18.09M (deposit + AVD stamp duty HK$1,737,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,503
−HK$8,184/mo
▼ 0.25% · 3.875%
HK$134,562
−HK$4,125/mo
Today · 4.125%
HK$138,687
baseline
▲ 0.50% · 4.625%
HK$147,125
+HK$8,438/mo
Deposit HK$12.26M · loan HK$28.62M · min. income ≈ HK$277,374/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,737,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,183
−HK$7,844/mo
▼ 0.25% · 3.875%
HK$149,077
−HK$3,950/mo
Today · 4.125%
HK$153,027
baseline
▲ 0.50% · 4.625%
HK$161,093
+HK$8,066/mo
Deposit HK$12.26M · loan HK$28.62M · min. income ≈ HK$306,054/mo (50% DSR)
Upfront cash ≈ HK$14.00M (deposit + AVD stamp duty HK$1,737,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,790
−HK$10,521/mo
▼ 0.25% · 3.875%
HK$173,009
−HK$5,302/mo
Today · 4.125%
HK$178,311
baseline
▲ 0.50% · 4.625%
HK$189,161
+HK$10,850/mo
Deposit HK$4.09M · loan HK$36.79M · min. income ≈ HK$356,622/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,737,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,664
−HK$10,085/mo
▼ 0.25% · 3.875%
HK$191,670
−HK$5,079/mo
Today · 4.125%
HK$196,749
baseline
▲ 0.50% · 4.625%
HK$207,120
+HK$10,371/mo
Deposit HK$4.09M · loan HK$36.79M · min. income ≈ HK$393,498/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,737,392 · Scale 2, in force from 26 Feb 2026)