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$95,042
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$97,998
−HK$3,004/mo
Today · 4.125%
HK$101,002
baseline
▲ 0.50% · 4.625%
HK$107,147
+HK$6,145/mo
Deposit HK$20.84M · loan HK$20.84M · min. income ≈ HK$202,004/mo (50% DSR)
Upfront cash ≈ HK$22.61M (deposit + AVD stamp duty HK$1,771,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,733
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$108,568
−HK$2,877/mo
Today · 4.125%
HK$111,445
baseline
▲ 0.50% · 4.625%
HK$117,320
+HK$5,875/mo
Deposit HK$20.84M · loan HK$20.84M · min. income ≈ HK$222,890/mo (50% DSR)
Upfront cash ≈ HK$22.61M (deposit + AVD stamp duty HK$1,771,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,050
−HK$7,152/mo
▼ 0.25% · 3.875%
HK$117,597
−HK$3,605/mo
Today · 4.125%
HK$121,202
baseline
▲ 0.50% · 4.625%
HK$128,577
+HK$7,375/mo
Deposit HK$16.67M · loan HK$25.01M · min. income ≈ HK$242,404/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,771,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,879
−HK$6,855/mo
▼ 0.25% · 3.875%
HK$130,282
−HK$3,452/mo
Today · 4.125%
HK$133,734
baseline
▲ 0.50% · 4.625%
HK$140,784
+HK$7,050/mo
Deposit HK$16.67M · loan HK$25.01M · min. income ≈ HK$267,468/mo (50% DSR)
Upfront cash ≈ HK$18.44M (deposit + AVD stamp duty HK$1,771,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,058
−HK$8,344/mo
▼ 0.25% · 3.875%
HK$137,197
−HK$4,205/mo
Today · 4.125%
HK$141,402
baseline
▲ 0.50% · 4.625%
HK$150,006
+HK$8,604/mo
Deposit HK$12.50M · loan HK$29.18M · min. income ≈ HK$282,804/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,771,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,026
−HK$7,997/mo
▼ 0.25% · 3.875%
HK$151,996
−HK$4,027/mo
Today · 4.125%
HK$156,023
baseline
▲ 0.50% · 4.625%
HK$164,247
+HK$8,224/mo
Deposit HK$12.50M · loan HK$29.18M · min. income ≈ HK$312,046/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,771,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,075
−HK$10,728/mo
▼ 0.25% · 3.875%
HK$176,396
−HK$5,407/mo
Today · 4.125%
HK$181,803
baseline
▲ 0.50% · 4.625%
HK$192,865
+HK$11,062/mo
Deposit HK$4.17M · loan HK$37.51M · min. income ≈ HK$363,606/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,771,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,319
−HK$10,282/mo
▼ 0.25% · 3.875%
HK$195,423
−HK$5,178/mo
Today · 4.125%
HK$200,601
baseline
▲ 0.50% · 4.625%
HK$211,175
+HK$10,574/mo
Deposit HK$4.17M · loan HK$37.51M · min. income ≈ HK$401,202/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$1,771,409 · Scale 2, in force from 26 Feb 2026)