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$90,091
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$92,893
−HK$2,847/mo
Today · 4.125%
HK$95,740
baseline
▲ 0.50% · 4.625%
HK$101,566
+HK$5,826/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$191,480/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$1,679,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,225
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$102,913
−HK$2,727/mo
Today · 4.125%
HK$105,640
baseline
▲ 0.50% · 4.625%
HK$111,208
+HK$5,568/mo
Deposit HK$19.75M · loan HK$19.75M · min. income ≈ HK$211,280/mo (50% DSR)
Upfront cash ≈ HK$21.43M (deposit + AVD stamp duty HK$1,679,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,109
−HK$6,779/mo
▼ 0.25% · 3.875%
HK$111,472
−HK$3,416/mo
Today · 4.125%
HK$114,888
baseline
▲ 0.50% · 4.625%
HK$121,879
+HK$6,991/mo
Deposit HK$15.80M · loan HK$23.71M · min. income ≈ HK$229,776/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,679,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,270
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$123,496
−HK$3,272/mo
Today · 4.125%
HK$126,768
baseline
▲ 0.50% · 4.625%
HK$133,450
+HK$6,682/mo
Deposit HK$15.80M · loan HK$23.71M · min. income ≈ HK$253,536/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,679,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,127
−HK$7,909/mo
▼ 0.25% · 3.875%
HK$130,050
−HK$3,986/mo
Today · 4.125%
HK$134,036
baseline
▲ 0.50% · 4.625%
HK$142,192
+HK$8,156/mo
Deposit HK$11.85M · loan HK$27.66M · min. income ≈ HK$268,072/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,679,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,315
−HK$7,581/mo
▼ 0.25% · 3.875%
HK$144,078
−HK$3,818/mo
Today · 4.125%
HK$147,896
baseline
▲ 0.50% · 4.625%
HK$155,692
+HK$7,796/mo
Deposit HK$11.85M · loan HK$27.66M · min. income ≈ HK$295,792/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,679,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,163
−HK$10,170/mo
▼ 0.25% · 3.875%
HK$167,208
−HK$5,125/mo
Today · 4.125%
HK$172,333
baseline
▲ 0.50% · 4.625%
HK$182,819
+HK$10,486/mo
Deposit HK$3.95M · loan HK$35.56M · min. income ≈ HK$344,666/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,679,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,405
−HK$9,747/mo
▼ 0.25% · 3.875%
HK$185,244
−HK$4,908/mo
Today · 4.125%
HK$190,152
baseline
▲ 0.50% · 4.625%
HK$200,175
+HK$10,023/mo
Deposit HK$3.95M · loan HK$35.56M · min. income ≈ HK$380,304/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,679,136 · Scale 2, in force from 26 Feb 2026)