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$92,803
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$95,690
−HK$2,933/mo
Today · 4.125%
HK$98,623
baseline
▲ 0.50% · 4.625%
HK$104,624
+HK$6,001/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$197,246/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,729,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,243
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$106,011
−HK$2,809/mo
Today · 4.125%
HK$108,820
baseline
▲ 0.50% · 4.625%
HK$114,556
+HK$5,736/mo
Deposit HK$20.35M · loan HK$20.35M · min. income ≈ HK$217,640/mo (50% DSR)
Upfront cash ≈ HK$22.08M (deposit + AVD stamp duty HK$1,729,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,364
−HK$6,983/mo
▼ 0.25% · 3.875%
HK$114,828
−HK$3,519/mo
Today · 4.125%
HK$118,347
baseline
▲ 0.50% · 4.625%
HK$125,548
+HK$7,201/mo
Deposit HK$16.28M · loan HK$24.42M · min. income ≈ HK$236,694/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,729,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,891
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$127,214
−HK$3,371/mo
Today · 4.125%
HK$130,585
baseline
▲ 0.50% · 4.625%
HK$137,468
+HK$6,883/mo
Deposit HK$16.28M · loan HK$24.42M · min. income ≈ HK$261,170/mo (50% DSR)
Upfront cash ≈ HK$18.01M (deposit + AVD stamp duty HK$1,729,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,924
−HK$8,148/mo
▼ 0.25% · 3.875%
HK$133,966
−HK$4,106/mo
Today · 4.125%
HK$138,072
baseline
▲ 0.50% · 4.625%
HK$146,473
+HK$8,401/mo
Deposit HK$12.21M · loan HK$28.49M · min. income ≈ HK$276,144/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,540
−HK$7,809/mo
▼ 0.25% · 3.875%
HK$148,416
−HK$3,933/mo
Today · 4.125%
HK$152,349
baseline
▲ 0.50% · 4.625%
HK$160,379
+HK$8,030/mo
Deposit HK$12.21M · loan HK$28.49M · min. income ≈ HK$304,698/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,046
−HK$10,475/mo
▼ 0.25% · 3.875%
HK$172,242
−HK$5,279/mo
Today · 4.125%
HK$177,521
baseline
▲ 0.50% · 4.625%
HK$188,323
+HK$10,802/mo
Deposit HK$4.07M · loan HK$36.63M · min. income ≈ HK$355,042/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,837
−HK$10,040/mo
▼ 0.25% · 3.875%
HK$190,821
−HK$5,056/mo
Today · 4.125%
HK$195,877
baseline
▲ 0.50% · 4.625%
HK$206,202
+HK$10,325/mo
Deposit HK$4.07M · loan HK$36.63M · min. income ≈ HK$391,754/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,689 · Scale 2, in force from 26 Feb 2026)