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$91,389
−HK$5,730/mo
▼ 0.25% · 3.875%
HK$94,231
−HK$2,888/mo
Today · 4.125%
HK$97,119
baseline
▲ 0.50% · 4.625%
HK$103,029
+HK$5,910/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$194,238/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$1,703,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,669
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$104,396
−HK$2,766/mo
Today · 4.125%
HK$107,162
baseline
▲ 0.50% · 4.625%
HK$112,810
+HK$5,648/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$214,324/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$1,703,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,666
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$113,078
−HK$3,465/mo
Today · 4.125%
HK$116,543
baseline
▲ 0.50% · 4.625%
HK$123,635
+HK$7,092/mo
Deposit HK$16.03M · loan HK$24.05M · min. income ≈ HK$233,086/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,703,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,003
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$125,275
−HK$3,319/mo
Today · 4.125%
HK$128,594
baseline
▲ 0.50% · 4.625%
HK$135,372
+HK$6,778/mo
Deposit HK$16.03M · loan HK$24.05M · min. income ≈ HK$257,188/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,703,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,944
−HK$8,023/mo
▼ 0.25% · 3.875%
HK$131,924
−HK$4,043/mo
Today · 4.125%
HK$135,967
baseline
▲ 0.50% · 4.625%
HK$144,240
+HK$8,273/mo
Deposit HK$12.02M · loan HK$28.05M · min. income ≈ HK$271,934/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,336
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$146,154
−HK$3,872/mo
Today · 4.125%
HK$150,026
baseline
▲ 0.50% · 4.625%
HK$157,934
+HK$7,908/mo
Deposit HK$12.02M · loan HK$28.05M · min. income ≈ HK$300,052/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,499
−HK$10,316/mo
▼ 0.25% · 3.875%
HK$169,616
−HK$5,199/mo
Today · 4.125%
HK$174,815
baseline
▲ 0.50% · 4.625%
HK$185,452
+HK$10,637/mo
Deposit HK$4.01M · loan HK$36.07M · min. income ≈ HK$349,630/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,004
−HK$9,887/mo
▼ 0.25% · 3.875%
HK$187,912
−HK$4,979/mo
Today · 4.125%
HK$192,891
baseline
▲ 0.50% · 4.625%
HK$203,059
+HK$10,168/mo
Deposit HK$4.01M · loan HK$36.07M · min. income ≈ HK$385,782/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,323 · Scale 2, in force from 26 Feb 2026)