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$92,167
−HK$5,779/mo
▼ 0.25% · 3.875%
HK$95,034
−HK$2,912/mo
Today · 4.125%
HK$97,946
baseline
▲ 0.50% · 4.625%
HK$103,906
+HK$5,960/mo
Deposit HK$20.21M · loan HK$20.21M · min. income ≈ HK$195,892/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$1,717,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,535
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$105,285
−HK$2,789/mo
Today · 4.125%
HK$108,074
baseline
▲ 0.50% · 4.625%
HK$113,771
+HK$5,697/mo
Deposit HK$20.21M · loan HK$20.21M · min. income ≈ HK$216,148/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$1,717,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,600
−HK$6,936/mo
▼ 0.25% · 3.875%
HK$114,040
−HK$3,496/mo
Today · 4.125%
HK$117,536
baseline
▲ 0.50% · 4.625%
HK$124,688
+HK$7,152/mo
Deposit HK$16.17M · loan HK$24.25M · min. income ≈ HK$235,072/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,717,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,042
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$126,341
−HK$3,348/mo
Today · 4.125%
HK$129,689
baseline
▲ 0.50% · 4.625%
HK$136,525
+HK$6,836/mo
Deposit HK$16.17M · loan HK$24.25M · min. income ≈ HK$259,378/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,717,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,034
−HK$8,091/mo
▼ 0.25% · 3.875%
HK$133,047
−HK$4,078/mo
Today · 4.125%
HK$137,125
baseline
▲ 0.50% · 4.625%
HK$145,469
+HK$8,344/mo
Deposit HK$12.13M · loan HK$28.29M · min. income ≈ HK$274,250/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,717,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,548
−HK$7,756/mo
▼ 0.25% · 3.875%
HK$147,398
−HK$3,906/mo
Today · 4.125%
HK$151,304
baseline
▲ 0.50% · 4.625%
HK$159,279
+HK$7,975/mo
Deposit HK$12.13M · loan HK$28.29M · min. income ≈ HK$302,608/mo (50% DSR)
Upfront cash ≈ HK$13.84M (deposit + AVD stamp duty HK$1,717,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,900
−HK$10,404/mo
▼ 0.25% · 3.875%
HK$171,061
−HK$5,243/mo
Today · 4.125%
HK$176,304
baseline
▲ 0.50% · 4.625%
HK$187,031
+HK$10,727/mo
Deposit HK$4.04M · loan HK$36.38M · min. income ≈ HK$352,608/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,717,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,562
−HK$9,972/mo
▼ 0.25% · 3.875%
HK$189,512
−HK$5,022/mo
Today · 4.125%
HK$194,534
baseline
▲ 0.50% · 4.625%
HK$204,788
+HK$10,254/mo
Deposit HK$4.04M · loan HK$36.38M · min. income ≈ HK$389,068/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$1,717,829 · Scale 2, in force from 26 Feb 2026)