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$92,730
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$95,614
−HK$2,931/mo
Today · 4.125%
HK$98,545
baseline
▲ 0.50% · 4.625%
HK$104,541
+HK$5,996/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$197,090/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,161
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$105,928
−HK$2,806/mo
Today · 4.125%
HK$108,734
baseline
▲ 0.50% · 4.625%
HK$114,466
+HK$5,732/mo
Deposit HK$20.33M · loan HK$20.33M · min. income ≈ HK$217,468/mo (50% DSR)
Upfront cash ≈ HK$22.06M (deposit + AVD stamp duty HK$1,728,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,276
−HK$6,978/mo
▼ 0.25% · 3.875%
HK$114,737
−HK$3,517/mo
Today · 4.125%
HK$118,254
baseline
▲ 0.50% · 4.625%
HK$125,449
+HK$7,195/mo
Deposit HK$16.27M · loan HK$24.40M · min. income ≈ HK$236,508/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,728,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,793
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$127,113
−HK$3,368/mo
Today · 4.125%
HK$130,481
baseline
▲ 0.50% · 4.625%
HK$137,359
+HK$6,878/mo
Deposit HK$16.27M · loan HK$24.40M · min. income ≈ HK$260,962/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$1,728,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,822
−HK$8,141/mo
▼ 0.25% · 3.875%
HK$133,860
−HK$4,103/mo
Today · 4.125%
HK$137,963
baseline
▲ 0.50% · 4.625%
HK$146,357
+HK$8,394/mo
Deposit HK$12.20M · loan HK$28.47M · min. income ≈ HK$275,926/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,425
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$148,299
−HK$3,929/mo
Today · 4.125%
HK$152,228
baseline
▲ 0.50% · 4.625%
HK$160,252
+HK$8,024/mo
Deposit HK$12.20M · loan HK$28.47M · min. income ≈ HK$304,456/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,728,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,913
−HK$10,467/mo
▼ 0.25% · 3.875%
HK$172,105
−HK$5,275/mo
Today · 4.125%
HK$177,380
baseline
▲ 0.50% · 4.625%
HK$188,174
+HK$10,794/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$354,760/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,728,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,690
−HK$10,032/mo
▼ 0.25% · 3.875%
HK$190,670
−HK$5,052/mo
Today · 4.125%
HK$195,722
baseline
▲ 0.50% · 4.625%
HK$206,039
+HK$10,317/mo
Deposit HK$4.07M · loan HK$36.60M · min. income ≈ HK$391,444/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$1,728,321 · Scale 2, in force from 26 Feb 2026)