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$90,169
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$92,974
−HK$2,850/mo
Today · 4.125%
HK$95,824
baseline
▲ 0.50% · 4.625%
HK$101,655
+HK$5,831/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$191,648/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$1,680,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,313
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$103,003
−HK$2,729/mo
Today · 4.125%
HK$105,732
baseline
▲ 0.50% · 4.625%
HK$111,306
+HK$5,574/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$211,464/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$1,680,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,203
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$111,569
−HK$3,420/mo
Today · 4.125%
HK$114,989
baseline
▲ 0.50% · 4.625%
HK$121,985
+HK$6,996/mo
Deposit HK$15.82M · loan HK$23.73M · min. income ≈ HK$229,978/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,375
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$123,604
−HK$3,275/mo
Today · 4.125%
HK$126,879
baseline
▲ 0.50% · 4.625%
HK$133,567
+HK$6,688/mo
Deposit HK$15.82M · loan HK$23.73M · min. income ≈ HK$253,758/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,237
−HK$7,916/mo
▼ 0.25% · 3.875%
HK$130,164
−HK$3,989/mo
Today · 4.125%
HK$134,153
baseline
▲ 0.50% · 4.625%
HK$142,316
+HK$8,163/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$268,306/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,680,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,438
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$144,204
−HK$3,821/mo
Today · 4.125%
HK$148,025
baseline
▲ 0.50% · 4.625%
HK$155,828
+HK$7,803/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$296,050/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,680,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,305
−HK$10,178/mo
▼ 0.25% · 3.875%
HK$167,354
−HK$5,129/mo
Today · 4.125%
HK$172,483
baseline
▲ 0.50% · 4.625%
HK$182,978
+HK$10,495/mo
Deposit HK$3.95M · loan HK$35.59M · min. income ≈ HK$344,966/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,680,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,563
−HK$9,755/mo
▼ 0.25% · 3.875%
HK$185,405
−HK$4,913/mo
Today · 4.125%
HK$190,318
baseline
▲ 0.50% · 4.625%
HK$200,350
+HK$10,032/mo
Deposit HK$3.95M · loan HK$35.59M · min. income ≈ HK$380,636/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,680,602 · Scale 2, in force from 26 Feb 2026)