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$93,707
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$96,622
−HK$2,962/mo
Today · 4.125%
HK$99,584
baseline
▲ 0.50% · 4.625%
HK$105,643
+HK$6,059/mo
Deposit HK$20.55M · loan HK$20.55M · min. income ≈ HK$199,168/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,746,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,249
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$107,045
−HK$2,836/mo
Today · 4.125%
HK$109,881
baseline
▲ 0.50% · 4.625%
HK$115,673
+HK$5,792/mo
Deposit HK$20.55M · loan HK$20.55M · min. income ≈ HK$219,762/mo (50% DSR)
Upfront cash ≈ HK$22.29M (deposit + AVD stamp duty HK$1,746,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,449
−HK$7,052/mo
▼ 0.25% · 3.875%
HK$115,947
−HK$3,554/mo
Today · 4.125%
HK$119,501
baseline
▲ 0.50% · 4.625%
HK$126,772
+HK$7,271/mo
Deposit HK$16.44M · loan HK$24.66M · min. income ≈ HK$239,002/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,746,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,098
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$128,453
−HK$3,404/mo
Today · 4.125%
HK$131,857
baseline
▲ 0.50% · 4.625%
HK$138,807
+HK$6,950/mo
Deposit HK$16.44M · loan HK$24.66M · min. income ≈ HK$263,714/mo (50% DSR)
Upfront cash ≈ HK$18.18M (deposit + AVD stamp duty HK$1,746,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,190
−HK$8,227/mo
▼ 0.25% · 3.875%
HK$135,271
−HK$4,146/mo
Today · 4.125%
HK$139,417
baseline
▲ 0.50% · 4.625%
HK$147,900
+HK$8,483/mo
Deposit HK$12.33M · loan HK$28.77M · min. income ≈ HK$278,834/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,746,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,948
−HK$7,885/mo
▼ 0.25% · 3.875%
HK$149,862
−HK$3,971/mo
Today · 4.125%
HK$153,833
baseline
▲ 0.50% · 4.625%
HK$161,942
+HK$8,109/mo
Deposit HK$12.33M · loan HK$28.77M · min. income ≈ HK$307,666/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,746,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,673
−HK$10,578/mo
▼ 0.25% · 3.875%
HK$173,920
−HK$5,331/mo
Today · 4.125%
HK$179,251
baseline
▲ 0.50% · 4.625%
HK$190,158
+HK$10,907/mo
Deposit HK$4.11M · loan HK$36.99M · min. income ≈ HK$358,502/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,746,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,648
−HK$10,138/mo
▼ 0.25% · 3.875%
HK$192,680
−HK$5,106/mo
Today · 4.125%
HK$197,786
baseline
▲ 0.50% · 4.625%
HK$208,211
+HK$10,425/mo
Deposit HK$4.11M · loan HK$36.99M · min. income ≈ HK$395,572/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,746,544 · Scale 2, in force from 26 Feb 2026)