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$89,088
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$91,859
−HK$2,816/mo
Today · 4.125%
HK$94,675
baseline
▲ 0.50% · 4.625%
HK$100,436
+HK$5,761/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$189,350/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,110
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,768
−HK$2,696/mo
Today · 4.125%
HK$104,464
baseline
▲ 0.50% · 4.625%
HK$109,971
+HK$5,507/mo
Deposit HK$19.53M · loan HK$19.53M · min. income ≈ HK$208,928/mo (50% DSR)
Upfront cash ≈ HK$21.20M (deposit + AVD stamp duty HK$1,660,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,906
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$110,231
−HK$3,379/mo
Today · 4.125%
HK$113,610
baseline
▲ 0.50% · 4.625%
HK$120,523
+HK$6,913/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$227,220/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,932
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$122,122
−HK$3,235/mo
Today · 4.125%
HK$125,357
baseline
▲ 0.50% · 4.625%
HK$131,965
+HK$6,608/mo
Deposit HK$15.63M · loan HK$23.44M · min. income ≈ HK$250,714/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,660,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,724
−HK$7,821/mo
▼ 0.25% · 3.875%
HK$128,603
−HK$3,942/mo
Today · 4.125%
HK$132,545
baseline
▲ 0.50% · 4.625%
HK$140,610
+HK$8,065/mo
Deposit HK$11.72M · loan HK$27.35M · min. income ≈ HK$265,090/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,754
−HK$7,496/mo
▼ 0.25% · 3.875%
HK$142,475
−HK$3,775/mo
Today · 4.125%
HK$146,250
baseline
▲ 0.50% · 4.625%
HK$153,959
+HK$7,709/mo
Deposit HK$11.72M · loan HK$27.35M · min. income ≈ HK$292,500/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,660,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,359
−HK$10,056/mo
▼ 0.25% · 3.875%
HK$165,347
−HK$5,068/mo
Today · 4.125%
HK$170,415
baseline
▲ 0.50% · 4.625%
HK$180,784
+HK$10,369/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$340,830/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,398
−HK$9,638/mo
▼ 0.25% · 3.875%
HK$183,182
−HK$4,854/mo
Today · 4.125%
HK$188,036
baseline
▲ 0.50% · 4.625%
HK$197,948
+HK$9,912/mo
Deposit HK$3.91M · loan HK$35.16M · min. income ≈ HK$376,072/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$1,660,451 · Scale 2, in force from 26 Feb 2026)