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$94,174
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$97,103
−HK$2,977/mo
Today · 4.125%
HK$100,080
baseline
▲ 0.50% · 4.625%
HK$106,169
+HK$6,089/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$200,160/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$1,755,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,768
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$107,577
−HK$2,851/mo
Today · 4.125%
HK$110,428
baseline
▲ 0.50% · 4.625%
HK$116,249
+HK$5,821/mo
Deposit HK$20.65M · loan HK$20.65M · min. income ≈ HK$220,856/mo (50% DSR)
Upfront cash ≈ HK$22.41M (deposit + AVD stamp duty HK$1,755,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,009
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$116,524
−HK$3,571/mo
Today · 4.125%
HK$120,095
baseline
▲ 0.50% · 4.625%
HK$127,403
+HK$7,308/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$240,190/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,755,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,721
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$129,093
−HK$3,420/mo
Today · 4.125%
HK$132,513
baseline
▲ 0.50% · 4.625%
HK$139,498
+HK$6,985/mo
Deposit HK$16.52M · loan HK$24.78M · min. income ≈ HK$265,026/mo (50% DSR)
Upfront cash ≈ HK$18.28M (deposit + AVD stamp duty HK$1,755,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,844
−HK$8,267/mo
▼ 0.25% · 3.875%
HK$135,945
−HK$4,166/mo
Today · 4.125%
HK$140,111
baseline
▲ 0.50% · 4.625%
HK$148,637
+HK$8,526/mo
Deposit HK$12.39M · loan HK$28.91M · min. income ≈ HK$280,222/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,755,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,675
−HK$7,924/mo
▼ 0.25% · 3.875%
HK$150,608
−HK$3,991/mo
Today · 4.125%
HK$154,599
baseline
▲ 0.50% · 4.625%
HK$162,748
+HK$8,149/mo
Deposit HK$12.39M · loan HK$28.91M · min. income ≈ HK$309,198/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,755,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,513
−HK$10,630/mo
▼ 0.25% · 3.875%
HK$174,786
−HK$5,357/mo
Today · 4.125%
HK$180,143
baseline
▲ 0.50% · 4.625%
HK$191,104
+HK$10,961/mo
Deposit HK$4.13M · loan HK$37.17M · min. income ≈ HK$360,286/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,755,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,582
−HK$10,188/mo
▼ 0.25% · 3.875%
HK$193,639
−HK$5,131/mo
Today · 4.125%
HK$198,770
baseline
▲ 0.50% · 4.625%
HK$209,248
+HK$10,478/mo
Deposit HK$4.13M · loan HK$37.17M · min. income ≈ HK$397,540/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,755,239 · Scale 2, in force from 26 Feb 2026)