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$91,272
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$94,111
−HK$2,885/mo
Today · 4.125%
HK$96,996
baseline
▲ 0.50% · 4.625%
HK$102,898
+HK$5,902/mo
Deposit HK$20.01M · loan HK$20.01M · min. income ≈ HK$193,992/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$1,701,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,540
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$104,263
−HK$2,762/mo
Today · 4.125%
HK$107,025
baseline
▲ 0.50% · 4.625%
HK$112,667
+HK$5,642/mo
Deposit HK$20.01M · loan HK$20.01M · min. income ≈ HK$214,050/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$1,701,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,527
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$112,934
−HK$3,461/mo
Today · 4.125%
HK$116,395
baseline
▲ 0.50% · 4.625%
HK$123,477
+HK$7,082/mo
Deposit HK$16.01M · loan HK$24.02M · min. income ≈ HK$232,790/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,701,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,847
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$125,115
−HK$3,316/mo
Today · 4.125%
HK$128,431
baseline
▲ 0.50% · 4.625%
HK$135,200
+HK$6,769/mo
Deposit HK$16.01M · loan HK$24.02M · min. income ≈ HK$256,862/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,701,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,781
−HK$8,013/mo
▼ 0.25% · 3.875%
HK$131,756
−HK$4,038/mo
Today · 4.125%
HK$135,794
baseline
▲ 0.50% · 4.625%
HK$144,057
+HK$8,263/mo
Deposit HK$12.01M · loan HK$28.02M · min. income ≈ HK$271,588/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,701,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,155
−HK$7,681/mo
▼ 0.25% · 3.875%
HK$145,968
−HK$3,868/mo
Today · 4.125%
HK$149,836
baseline
▲ 0.50% · 4.625%
HK$157,734
+HK$7,898/mo
Deposit HK$12.01M · loan HK$28.02M · min. income ≈ HK$299,672/mo (50% DSR)
Upfront cash ≈ HK$13.71M (deposit + AVD stamp duty HK$1,701,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,290
−HK$10,303/mo
▼ 0.25% · 3.875%
HK$169,401
−HK$5,192/mo
Today · 4.125%
HK$174,593
baseline
▲ 0.50% · 4.625%
HK$185,216
+HK$10,623/mo
Deposit HK$4.00M · loan HK$36.02M · min. income ≈ HK$349,186/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,701,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,771
−HK$9,875/mo
▼ 0.25% · 3.875%
HK$187,673
−HK$4,973/mo
Today · 4.125%
HK$192,646
baseline
▲ 0.50% · 4.625%
HK$202,800
+HK$10,154/mo
Deposit HK$4.00M · loan HK$36.02M · min. income ≈ HK$385,292/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,701,157 · Scale 2, in force from 26 Feb 2026)