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$89,054
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$91,824
−HK$2,814/mo
Today · 4.125%
HK$94,638
baseline
▲ 0.50% · 4.625%
HK$100,397
+HK$5,759/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$189,276/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,659,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,071
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,728
−HK$2,696/mo
Today · 4.125%
HK$104,424
baseline
▲ 0.50% · 4.625%
HK$109,928
+HK$5,504/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$208,848/mo (50% DSR)
Upfront cash ≈ HK$21.19M (deposit + AVD stamp duty HK$1,659,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,864
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$110,188
−HK$3,378/mo
Today · 4.125%
HK$113,566
baseline
▲ 0.50% · 4.625%
HK$120,476
+HK$6,910/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$227,132/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,886
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$122,074
−HK$3,235/mo
Today · 4.125%
HK$125,309
baseline
▲ 0.50% · 4.625%
HK$131,914
+HK$6,605/mo
Deposit HK$15.62M · loan HK$23.43M · min. income ≈ HK$250,618/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,659,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,675
−HK$7,818/mo
▼ 0.25% · 3.875%
HK$128,553
−HK$3,940/mo
Today · 4.125%
HK$132,493
baseline
▲ 0.50% · 4.625%
HK$140,555
+HK$8,062/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$264,986/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,659,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,700
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$142,420
−HK$3,773/mo
Today · 4.125%
HK$146,193
baseline
▲ 0.50% · 4.625%
HK$153,899
+HK$7,706/mo
Deposit HK$11.72M · loan HK$27.34M · min. income ≈ HK$292,386/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,659,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,297
−HK$10,052/mo
▼ 0.25% · 3.875%
HK$165,283
−HK$5,066/mo
Today · 4.125%
HK$170,349
baseline
▲ 0.50% · 4.625%
HK$180,714
+HK$10,365/mo
Deposit HK$3.91M · loan HK$35.15M · min. income ≈ HK$340,698/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,659,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,328
−HK$9,635/mo
▼ 0.25% · 3.875%
HK$183,111
−HK$4,852/mo
Today · 4.125%
HK$187,963
baseline
▲ 0.50% · 4.625%
HK$197,871
+HK$9,908/mo
Deposit HK$3.91M · loan HK$35.15M · min. income ≈ HK$375,926/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,659,805 · Scale 2, in force from 26 Feb 2026)