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$94,372
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$97,308
−HK$2,982/mo
Today · 4.125%
HK$100,290
baseline
▲ 0.50% · 4.625%
HK$106,393
+HK$6,103/mo
Deposit HK$20.69M · loan HK$20.69M · min. income ≈ HK$200,580/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$1,758,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,988
−HK$5,672/mo
▼ 0.25% · 3.875%
HK$107,804
−HK$2,856/mo
Today · 4.125%
HK$110,660
baseline
▲ 0.50% · 4.625%
HK$116,493
+HK$5,833/mo
Deposit HK$20.69M · loan HK$20.69M · min. income ≈ HK$221,320/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$1,758,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,247
−HK$7,101/mo
▼ 0.25% · 3.875%
HK$116,769
−HK$3,579/mo
Today · 4.125%
HK$120,348
baseline
▲ 0.50% · 4.625%
HK$127,671
+HK$7,323/mo
Deposit HK$16.55M · loan HK$24.83M · min. income ≈ HK$240,696/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,758,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,986
−HK$6,806/mo
▼ 0.25% · 3.875%
HK$129,365
−HK$3,427/mo
Today · 4.125%
HK$132,792
baseline
▲ 0.50% · 4.625%
HK$139,792
+HK$7,000/mo
Deposit HK$16.55M · loan HK$24.83M · min. income ≈ HK$265,584/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,758,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,121
−HK$8,285/mo
▼ 0.25% · 3.875%
HK$136,231
−HK$4,175/mo
Today · 4.125%
HK$140,406
baseline
▲ 0.50% · 4.625%
HK$148,950
+HK$8,544/mo
Deposit HK$12.42M · loan HK$28.97M · min. income ≈ HK$280,812/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,758,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,983
−HK$7,941/mo
▼ 0.25% · 3.875%
HK$150,925
−HK$3,999/mo
Today · 4.125%
HK$154,924
baseline
▲ 0.50% · 4.625%
HK$163,091
+HK$8,167/mo
Deposit HK$12.42M · loan HK$28.97M · min. income ≈ HK$309,848/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,758,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,870
−HK$10,652/mo
▼ 0.25% · 3.875%
HK$175,154
−HK$5,368/mo
Today · 4.125%
HK$180,522
baseline
▲ 0.50% · 4.625%
HK$191,507
+HK$10,985/mo
Deposit HK$4.14M · loan HK$37.25M · min. income ≈ HK$361,044/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,758,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,978
−HK$10,210/mo
▼ 0.25% · 3.875%
HK$194,047
−HK$5,141/mo
Today · 4.125%
HK$199,188
baseline
▲ 0.50% · 4.625%
HK$209,688
+HK$10,500/mo
Deposit HK$4.14M · loan HK$37.25M · min. income ≈ HK$398,376/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,758,932 · Scale 2, in force from 26 Feb 2026)