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$89,420
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$92,201
−HK$2,826/mo
Today · 4.125%
HK$95,027
baseline
▲ 0.50% · 4.625%
HK$100,809
+HK$5,782/mo
Deposit HK$19.61M · loan HK$19.61M · min. income ≈ HK$190,054/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,478
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$102,146
−HK$2,707/mo
Today · 4.125%
HK$104,853
baseline
▲ 0.50% · 4.625%
HK$110,380
+HK$5,527/mo
Deposit HK$19.61M · loan HK$19.61M · min. income ≈ HK$209,706/mo (50% DSR)
Upfront cash ≈ HK$21.27M (deposit + AVD stamp duty HK$1,666,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,303
−HK$6,729/mo
▼ 0.25% · 3.875%
HK$110,641
−HK$3,391/mo
Today · 4.125%
HK$114,032
baseline
▲ 0.50% · 4.625%
HK$120,971
+HK$6,939/mo
Deposit HK$15.69M · loan HK$23.53M · min. income ≈ HK$228,064/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,374
−HK$6,449/mo
▼ 0.25% · 3.875%
HK$122,576
−HK$3,247/mo
Today · 4.125%
HK$125,823
baseline
▲ 0.50% · 4.625%
HK$132,456
+HK$6,633/mo
Deposit HK$15.69M · loan HK$23.53M · min. income ≈ HK$251,646/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,666,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,187
−HK$7,851/mo
▼ 0.25% · 3.875%
HK$129,081
−HK$3,957/mo
Today · 4.125%
HK$133,038
baseline
▲ 0.50% · 4.625%
HK$141,133
+HK$8,095/mo
Deposit HK$11.76M · loan HK$27.45M · min. income ≈ HK$266,076/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,270
−HK$7,524/mo
▼ 0.25% · 3.875%
HK$143,005
−HK$3,789/mo
Today · 4.125%
HK$146,794
baseline
▲ 0.50% · 4.625%
HK$154,532
+HK$7,738/mo
Deposit HK$11.76M · loan HK$27.45M · min. income ≈ HK$293,588/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,666,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,955
−HK$10,093/mo
▼ 0.25% · 3.875%
HK$165,962
−HK$5,086/mo
Today · 4.125%
HK$171,048
baseline
▲ 0.50% · 4.625%
HK$181,456
+HK$10,408/mo
Deposit HK$3.92M · loan HK$35.29M · min. income ≈ HK$342,096/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,061
−HK$9,674/mo
▼ 0.25% · 3.875%
HK$183,863
−HK$4,872/mo
Today · 4.125%
HK$188,735
baseline
▲ 0.50% · 4.625%
HK$198,684
+HK$9,949/mo
Deposit HK$3.92M · loan HK$35.29M · min. income ≈ HK$377,470/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$1,666,624 · Scale 2, in force from 26 Feb 2026)