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$94,505
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$97,445
−HK$2,987/mo
Today · 4.125%
HK$100,432
baseline
▲ 0.50% · 4.625%
HK$106,543
+HK$6,111/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$200,864/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,761,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,136
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$107,956
−HK$2,860/mo
Today · 4.125%
HK$110,816
baseline
▲ 0.50% · 4.625%
HK$116,658
+HK$5,842/mo
Deposit HK$20.72M · loan HK$20.72M · min. income ≈ HK$221,632/mo (50% DSR)
Upfront cash ≈ HK$22.48M (deposit + AVD stamp duty HK$1,761,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,406
−HK$7,112/mo
▼ 0.25% · 3.875%
HK$116,934
−HK$3,584/mo
Today · 4.125%
HK$120,518
baseline
▲ 0.50% · 4.625%
HK$127,851
+HK$7,333/mo
Deposit HK$16.58M · loan HK$24.87M · min. income ≈ HK$241,036/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,163
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$129,547
−HK$3,433/mo
Today · 4.125%
HK$132,980
baseline
▲ 0.50% · 4.625%
HK$139,989
+HK$7,009/mo
Deposit HK$16.58M · loan HK$24.87M · min. income ≈ HK$265,960/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,307
−HK$8,297/mo
▼ 0.25% · 3.875%
HK$136,423
−HK$4,181/mo
Today · 4.125%
HK$140,604
baseline
▲ 0.50% · 4.625%
HK$149,160
+HK$8,556/mo
Deposit HK$12.43M · loan HK$29.01M · min. income ≈ HK$281,208/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,761,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,191
−HK$7,952/mo
▼ 0.25% · 3.875%
HK$151,138
−HK$4,005/mo
Today · 4.125%
HK$155,143
baseline
▲ 0.50% · 4.625%
HK$163,321
+HK$8,178/mo
Deposit HK$12.43M · loan HK$29.01M · min. income ≈ HK$310,286/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,761,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,110
−HK$10,667/mo
▼ 0.25% · 3.875%
HK$175,401
−HK$5,376/mo
Today · 4.125%
HK$180,777
baseline
▲ 0.50% · 4.625%
HK$191,777
+HK$11,000/mo
Deposit HK$4.14M · loan HK$37.30M · min. income ≈ HK$361,554/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,761,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,245
−HK$10,225/mo
▼ 0.25% · 3.875%
HK$194,321
−HK$5,149/mo
Today · 4.125%
HK$199,470
baseline
▲ 0.50% · 4.625%
HK$209,984
+HK$10,514/mo
Deposit HK$4.14M · loan HK$37.30M · min. income ≈ HK$398,940/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,761,415 · Scale 2, in force from 26 Feb 2026)