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$95,479
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$98,449
−HK$3,018/mo
Today · 4.125%
HK$101,467
baseline
▲ 0.50% · 4.625%
HK$107,641
+HK$6,174/mo
Deposit HK$20.94M · loan HK$20.94M · min. income ≈ HK$202,934/mo (50% DSR)
Upfront cash ≈ HK$22.72M (deposit + AVD stamp duty HK$1,779,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,220
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$109,069
−HK$2,890/mo
Today · 4.125%
HK$111,959
baseline
▲ 0.50% · 4.625%
HK$117,860
+HK$5,901/mo
Deposit HK$20.94M · loan HK$20.94M · min. income ≈ HK$223,918/mo (50% DSR)
Upfront cash ≈ HK$22.72M (deposit + AVD stamp duty HK$1,779,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,575
−HK$7,185/mo
▼ 0.25% · 3.875%
HK$118,139
−HK$3,621/mo
Today · 4.125%
HK$121,760
baseline
▲ 0.50% · 4.625%
HK$129,169
+HK$7,409/mo
Deposit HK$16.75M · loan HK$25.12M · min. income ≈ HK$243,520/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$1,779,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,464
−HK$6,886/mo
▼ 0.25% · 3.875%
HK$130,882
−HK$3,468/mo
Today · 4.125%
HK$134,350
baseline
▲ 0.50% · 4.625%
HK$141,432
+HK$7,082/mo
Deposit HK$16.75M · loan HK$25.12M · min. income ≈ HK$268,700/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$1,779,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,671
−HK$8,382/mo
▼ 0.25% · 3.875%
HK$137,829
−HK$4,224/mo
Today · 4.125%
HK$142,053
baseline
▲ 0.50% · 4.625%
HK$150,697
+HK$8,644/mo
Deposit HK$12.56M · loan HK$29.31M · min. income ≈ HK$284,106/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,779,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,708
−HK$8,034/mo
▼ 0.25% · 3.875%
HK$152,696
−HK$4,046/mo
Today · 4.125%
HK$156,742
baseline
▲ 0.50% · 4.625%
HK$165,004
+HK$8,262/mo
Deposit HK$12.56M · loan HK$29.31M · min. income ≈ HK$313,484/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,779,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,863
−HK$10,777/mo
▼ 0.25% · 3.875%
HK$177,209
−HK$5,431/mo
Today · 4.125%
HK$182,640
baseline
▲ 0.50% · 4.625%
HK$193,753
+HK$11,113/mo
Deposit HK$4.19M · loan HK$37.68M · min. income ≈ HK$365,280/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,779,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,196
−HK$10,329/mo
▼ 0.25% · 3.875%
HK$196,324
−HK$5,201/mo
Today · 4.125%
HK$201,525
baseline
▲ 0.50% · 4.625%
HK$212,148
+HK$10,623/mo
Deposit HK$4.19M · loan HK$37.68M · min. income ≈ HK$403,050/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,779,570 · Scale 2, in force from 26 Feb 2026)