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$89,333
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$92,112
−HK$2,823/mo
Today · 4.125%
HK$94,935
baseline
▲ 0.50% · 4.625%
HK$100,711
+HK$5,776/mo
Deposit HK$19.59M · loan HK$19.59M · min. income ≈ HK$189,870/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$1,665,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,382
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$102,047
−HK$2,704/mo
Today · 4.125%
HK$104,751
baseline
▲ 0.50% · 4.625%
HK$110,273
+HK$5,522/mo
Deposit HK$19.59M · loan HK$19.59M · min. income ≈ HK$209,502/mo (50% DSR)
Upfront cash ≈ HK$21.25M (deposit + AVD stamp duty HK$1,665,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,199
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$110,534
−HK$3,388/mo
Today · 4.125%
HK$113,922
baseline
▲ 0.50% · 4.625%
HK$120,854
+HK$6,932/mo
Deposit HK$15.67M · loan HK$23.51M · min. income ≈ HK$227,844/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,665,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,258
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$122,457
−HK$3,244/mo
Today · 4.125%
HK$125,701
baseline
▲ 0.50% · 4.625%
HK$132,327
+HK$6,626/mo
Deposit HK$15.67M · loan HK$23.51M · min. income ≈ HK$251,402/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,665,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,066
−HK$7,843/mo
▼ 0.25% · 3.875%
HK$128,956
−HK$3,953/mo
Today · 4.125%
HK$132,909
baseline
▲ 0.50% · 4.625%
HK$140,996
+HK$8,087/mo
Deposit HK$11.75M · loan HK$27.42M · min. income ≈ HK$265,818/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,665,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,135
−HK$7,517/mo
▼ 0.25% · 3.875%
HK$142,866
−HK$3,786/mo
Today · 4.125%
HK$146,652
baseline
▲ 0.50% · 4.625%
HK$154,382
+HK$7,730/mo
Deposit HK$11.75M · loan HK$27.42M · min. income ≈ HK$293,304/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,665,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,799
−HK$10,083/mo
▼ 0.25% · 3.875%
HK$165,801
−HK$5,081/mo
Today · 4.125%
HK$170,882
baseline
▲ 0.50% · 4.625%
HK$181,280
+HK$10,398/mo
Deposit HK$3.92M · loan HK$35.26M · min. income ≈ HK$341,764/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,665,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,887
−HK$9,665/mo
▼ 0.25% · 3.875%
HK$183,685
−HK$4,867/mo
Today · 4.125%
HK$188,552
baseline
▲ 0.50% · 4.625%
HK$198,491
+HK$9,939/mo
Deposit HK$3.92M · loan HK$35.26M · min. income ≈ HK$377,104/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$1,665,007 · Scale 2, in force from 26 Feb 2026)