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$93,850
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$96,769
−HK$2,966/mo
Today · 4.125%
HK$99,735
baseline
▲ 0.50% · 4.625%
HK$105,803
+HK$6,068/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$199,470/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,407
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$107,207
−HK$2,840/mo
Today · 4.125%
HK$110,047
baseline
▲ 0.50% · 4.625%
HK$115,848
+HK$5,801/mo
Deposit HK$20.58M · loan HK$20.58M · min. income ≈ HK$220,094/mo (50% DSR)
Upfront cash ≈ HK$22.33M (deposit + AVD stamp duty HK$1,749,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,620
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$116,123
−HK$3,559/mo
Today · 4.125%
HK$119,682
baseline
▲ 0.50% · 4.625%
HK$126,964
+HK$7,282/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$239,364/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,749,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,288
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$128,648
−HK$3,409/mo
Today · 4.125%
HK$132,057
baseline
▲ 0.50% · 4.625%
HK$139,018
+HK$6,961/mo
Deposit HK$16.46M · loan HK$24.69M · min. income ≈ HK$264,114/mo (50% DSR)
Upfront cash ≈ HK$18.21M (deposit + AVD stamp duty HK$1,749,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,389
−HK$8,240/mo
▼ 0.25% · 3.875%
HK$135,476
−HK$4,153/mo
Today · 4.125%
HK$139,629
baseline
▲ 0.50% · 4.625%
HK$148,125
+HK$8,496/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$279,258/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,169
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$150,090
−HK$3,976/mo
Today · 4.125%
HK$154,066
baseline
▲ 0.50% · 4.625%
HK$162,188
+HK$8,122/mo
Deposit HK$12.35M · loan HK$28.81M · min. income ≈ HK$308,132/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,749,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,929
−HK$10,594/mo
▼ 0.25% · 3.875%
HK$174,184
−HK$5,339/mo
Today · 4.125%
HK$179,523
baseline
▲ 0.50% · 4.625%
HK$190,446
+HK$10,923/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$359,046/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,749,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,932
−HK$10,153/mo
▼ 0.25% · 3.875%
HK$192,972
−HK$5,113/mo
Today · 4.125%
HK$198,085
baseline
▲ 0.50% · 4.625%
HK$208,527
+HK$10,442/mo
Deposit HK$4.12M · loan HK$37.04M · min. income ≈ HK$396,170/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$1,749,193 · Scale 2, in force from 26 Feb 2026)