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$94,939
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$97,892
−HK$3,000/mo
Today · 4.125%
HK$100,892
baseline
▲ 0.50% · 4.625%
HK$107,032
+HK$6,140/mo
Deposit HK$20.82M · loan HK$20.82M · min. income ≈ HK$201,784/mo (50% DSR)
Upfront cash ≈ HK$22.59M (deposit + AVD stamp duty HK$1,769,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,619
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$108,451
−HK$2,874/mo
Today · 4.125%
HK$111,325
baseline
▲ 0.50% · 4.625%
HK$117,193
+HK$5,868/mo
Deposit HK$20.82M · loan HK$20.82M · min. income ≈ HK$222,650/mo (50% DSR)
Upfront cash ≈ HK$22.59M (deposit + AVD stamp duty HK$1,769,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,927
−HK$7,144/mo
▼ 0.25% · 3.875%
HK$117,471
−HK$3,600/mo
Today · 4.125%
HK$121,071
baseline
▲ 0.50% · 4.625%
HK$128,438
+HK$7,367/mo
Deposit HK$16.65M · loan HK$24.98M · min. income ≈ HK$242,142/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,769,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,742
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$130,142
−HK$3,448/mo
Today · 4.125%
HK$133,590
baseline
▲ 0.50% · 4.625%
HK$140,632
+HK$7,042/mo
Deposit HK$16.65M · loan HK$24.98M · min. income ≈ HK$267,180/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,769,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,915
−HK$8,334/mo
▼ 0.25% · 3.875%
HK$137,049
−HK$4,200/mo
Today · 4.125%
HK$141,249
baseline
▲ 0.50% · 4.625%
HK$149,844
+HK$8,595/mo
Deposit HK$12.49M · loan HK$29.14M · min. income ≈ HK$282,498/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,769,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,866
−HK$7,989/mo
▼ 0.25% · 3.875%
HK$151,832
−HK$4,023/mo
Today · 4.125%
HK$155,855
baseline
▲ 0.50% · 4.625%
HK$164,070
+HK$8,215/mo
Deposit HK$12.49M · loan HK$29.14M · min. income ≈ HK$311,710/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,769,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,890
−HK$10,716/mo
▼ 0.25% · 3.875%
HK$176,206
−HK$5,400/mo
Today · 4.125%
HK$181,606
baseline
▲ 0.50% · 4.625%
HK$192,657
+HK$11,051/mo
Deposit HK$4.16M · loan HK$37.47M · min. income ≈ HK$363,212/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,769,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,114
−HK$10,271/mo
▼ 0.25% · 3.875%
HK$195,212
−HK$5,173/mo
Today · 4.125%
HK$200,385
baseline
▲ 0.50% · 4.625%
HK$210,947
+HK$10,562/mo
Deposit HK$4.16M · loan HK$37.47M · min. income ≈ HK$400,770/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,769,497 · Scale 2, in force from 26 Feb 2026)