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$92,505
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,382
−HK$2,924/mo
Today · 4.125%
HK$98,306
baseline
▲ 0.50% · 4.625%
HK$104,287
+HK$5,981/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$196,612/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,911
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$105,671
−HK$2,800/mo
Today · 4.125%
HK$108,471
baseline
▲ 0.50% · 4.625%
HK$114,188
+HK$5,717/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$216,942/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,006
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$114,459
−HK$3,508/mo
Today · 4.125%
HK$117,967
baseline
▲ 0.50% · 4.625%
HK$125,145
+HK$7,178/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$235,934/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,493
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$126,805
−HK$3,360/mo
Today · 4.125%
HK$130,165
baseline
▲ 0.50% · 4.625%
HK$137,026
+HK$6,861/mo
Deposit HK$16.23M · loan HK$24.34M · min. income ≈ HK$260,330/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,724,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,507
−HK$8,121/mo
▼ 0.25% · 3.875%
HK$133,535
−HK$4,093/mo
Today · 4.125%
HK$137,628
baseline
▲ 0.50% · 4.625%
HK$146,002
+HK$8,374/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$275,256/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,724,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,075
−HK$7,784/mo
▼ 0.25% · 3.875%
HK$147,939
−HK$3,920/mo
Today · 4.125%
HK$151,859
baseline
▲ 0.50% · 4.625%
HK$159,864
+HK$8,005/mo
Deposit HK$12.17M · loan HK$28.40M · min. income ≈ HK$303,718/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,724,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,509
−HK$10,441/mo
▼ 0.25% · 3.875%
HK$171,688
−HK$5,262/mo
Today · 4.125%
HK$176,950
baseline
▲ 0.50% · 4.625%
HK$187,717
+HK$10,767/mo
Deposit HK$4.06M · loan HK$36.51M · min. income ≈ HK$353,900/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,239
−HK$10,008/mo
▼ 0.25% · 3.875%
HK$190,207
−HK$5,040/mo
Today · 4.125%
HK$195,247
baseline
▲ 0.50% · 4.625%
HK$205,539
+HK$10,292/mo
Deposit HK$4.06M · loan HK$36.51M · min. income ≈ HK$390,494/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,130 · Scale 2, in force from 26 Feb 2026)