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$94,238
−HK$5,910/mo
▼ 0.25% · 3.875%
HK$97,170
−HK$2,978/mo
Today · 4.125%
HK$100,148
baseline
▲ 0.50% · 4.625%
HK$106,242
+HK$6,094/mo
Deposit HK$20.66M · loan HK$20.66M · min. income ≈ HK$200,296/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$1,756,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,839
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$107,651
−HK$2,852/mo
Today · 4.125%
HK$110,503
baseline
▲ 0.50% · 4.625%
HK$116,328
+HK$5,825/mo
Deposit HK$20.66M · loan HK$20.66M · min. income ≈ HK$221,006/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$1,756,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,086
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$116,603
−HK$3,574/mo
Today · 4.125%
HK$120,177
baseline
▲ 0.50% · 4.625%
HK$127,490
+HK$7,313/mo
Deposit HK$16.53M · loan HK$24.80M · min. income ≈ HK$240,354/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,756,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,807
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$129,181
−HK$3,423/mo
Today · 4.125%
HK$132,604
baseline
▲ 0.50% · 4.625%
HK$139,594
+HK$6,990/mo
Deposit HK$16.53M · loan HK$24.80M · min. income ≈ HK$265,208/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,756,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,933
−HK$8,274/mo
▼ 0.25% · 3.875%
HK$136,037
−HK$4,170/mo
Today · 4.125%
HK$140,207
baseline
▲ 0.50% · 4.625%
HK$148,738
+HK$8,531/mo
Deposit HK$12.40M · loan HK$28.93M · min. income ≈ HK$280,414/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,756,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,775
−HK$7,929/mo
▼ 0.25% · 3.875%
HK$150,711
−HK$3,993/mo
Today · 4.125%
HK$154,704
baseline
▲ 0.50% · 4.625%
HK$162,859
+HK$8,155/mo
Deposit HK$12.40M · loan HK$28.93M · min. income ≈ HK$309,408/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,756,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,629
−HK$10,637/mo
▼ 0.25% · 3.875%
HK$174,905
−HK$5,361/mo
Today · 4.125%
HK$180,266
baseline
▲ 0.50% · 4.625%
HK$191,235
+HK$10,969/mo
Deposit HK$4.13M · loan HK$37.20M · min. income ≈ HK$360,532/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,756,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,710
−HK$10,196/mo
▼ 0.25% · 3.875%
HK$193,771
−HK$5,135/mo
Today · 4.125%
HK$198,906
baseline
▲ 0.50% · 4.625%
HK$209,390
+HK$10,484/mo
Deposit HK$4.13M · loan HK$37.20M · min. income ≈ HK$397,812/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,756,436 · Scale 2, in force from 26 Feb 2026)