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$89,190
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$91,965
−HK$2,818/mo
Today · 4.125%
HK$94,783
baseline
▲ 0.50% · 4.625%
HK$100,551
+HK$5,768/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$189,566/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$1,662,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,223
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,885
−HK$2,699/mo
Today · 4.125%
HK$104,584
baseline
▲ 0.50% · 4.625%
HK$110,097
+HK$5,513/mo
Deposit HK$19.56M · loan HK$19.56M · min. income ≈ HK$209,168/mo (50% DSR)
Upfront cash ≈ HK$21.22M (deposit + AVD stamp duty HK$1,662,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,028
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$110,358
−HK$3,382/mo
Today · 4.125%
HK$113,740
baseline
▲ 0.50% · 4.625%
HK$120,661
+HK$6,921/mo
Deposit HK$15.65M · loan HK$23.47M · min. income ≈ HK$227,480/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,068
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$122,261
−HK$3,240/mo
Today · 4.125%
HK$125,501
baseline
▲ 0.50% · 4.625%
HK$132,116
+HK$6,615/mo
Deposit HK$15.65M · loan HK$23.47M · min. income ≈ HK$251,002/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,662,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,867
−HK$7,830/mo
▼ 0.25% · 3.875%
HK$128,751
−HK$3,946/mo
Today · 4.125%
HK$132,697
baseline
▲ 0.50% · 4.625%
HK$140,771
+HK$8,074/mo
Deposit HK$11.73M · loan HK$27.38M · min. income ≈ HK$265,394/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,913
−HK$7,505/mo
▼ 0.25% · 3.875%
HK$142,638
−HK$3,780/mo
Today · 4.125%
HK$146,418
baseline
▲ 0.50% · 4.625%
HK$154,136
+HK$7,718/mo
Deposit HK$11.73M · loan HK$27.38M · min. income ≈ HK$292,836/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,662,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,543
−HK$10,067/mo
▼ 0.25% · 3.875%
HK$165,536
−HK$5,074/mo
Today · 4.125%
HK$170,610
baseline
▲ 0.50% · 4.625%
HK$180,991
+HK$10,381/mo
Deposit HK$3.91M · loan HK$35.20M · min. income ≈ HK$341,220/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,662,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,602
−HK$9,649/mo
▼ 0.25% · 3.875%
HK$183,392
−HK$4,859/mo
Today · 4.125%
HK$188,251
baseline
▲ 0.50% · 4.625%
HK$198,174
+HK$9,923/mo
Deposit HK$3.91M · loan HK$35.20M · min. income ≈ HK$376,502/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,662,354 · Scale 2, in force from 26 Feb 2026)