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$95,200
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$98,161
−HK$3,008/mo
Today · 4.125%
HK$101,169
baseline
▲ 0.50% · 4.625%
HK$107,325
+HK$6,156/mo
Deposit HK$20.87M · loan HK$20.87M · min. income ≈ HK$202,338/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$1,774,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,909
−HK$5,722/mo
▼ 0.25% · 3.875%
HK$108,749
−HK$2,882/mo
Today · 4.125%
HK$111,631
baseline
▲ 0.50% · 4.625%
HK$117,515
+HK$5,884/mo
Deposit HK$20.87M · loan HK$20.87M · min. income ≈ HK$223,262/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$1,774,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,240
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$117,793
−HK$3,610/mo
Today · 4.125%
HK$121,403
baseline
▲ 0.50% · 4.625%
HK$128,790
+HK$7,387/mo
Deposit HK$16.70M · loan HK$25.05M · min. income ≈ HK$242,806/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,774,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,090
−HK$6,867/mo
▼ 0.25% · 3.875%
HK$130,499
−HK$3,458/mo
Today · 4.125%
HK$133,957
baseline
▲ 0.50% · 4.625%
HK$141,018
+HK$7,061/mo
Deposit HK$16.70M · loan HK$25.05M · min. income ≈ HK$267,914/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,774,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,279
−HK$8,358/mo
▼ 0.25% · 3.875%
HK$137,425
−HK$4,212/mo
Today · 4.125%
HK$141,637
baseline
▲ 0.50% · 4.625%
HK$150,256
+HK$8,619/mo
Deposit HK$12.52M · loan HK$29.22M · min. income ≈ HK$283,274/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,774,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,272
−HK$8,011/mo
▼ 0.25% · 3.875%
HK$152,249
−HK$4,034/mo
Today · 4.125%
HK$156,283
baseline
▲ 0.50% · 4.625%
HK$164,521
+HK$8,238/mo
Deposit HK$12.52M · loan HK$29.22M · min. income ≈ HK$312,566/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,774,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,359
−HK$10,746/mo
▼ 0.25% · 3.875%
HK$176,690
−HK$5,415/mo
Today · 4.125%
HK$182,105
baseline
▲ 0.50% · 4.625%
HK$193,186
+HK$11,081/mo
Deposit HK$4.17M · loan HK$37.57M · min. income ≈ HK$364,210/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,774,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,636
−HK$10,299/mo
▼ 0.25% · 3.875%
HK$195,748
−HK$5,187/mo
Today · 4.125%
HK$200,935
baseline
▲ 0.50% · 4.625%
HK$211,527
+HK$10,592/mo
Deposit HK$4.17M · loan HK$37.57M · min. income ≈ HK$401,870/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,774,356 · Scale 2, in force from 26 Feb 2026)