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$94,652
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$97,596
−HK$2,992/mo
Today · 4.125%
HK$100,588
baseline
▲ 0.50% · 4.625%
HK$106,708
+HK$6,120/mo
Deposit HK$20.75M · loan HK$20.75M · min. income ≈ HK$201,176/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,764,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,300
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$108,124
−HK$2,865/mo
Today · 4.125%
HK$110,989
baseline
▲ 0.50% · 4.625%
HK$116,839
+HK$5,850/mo
Deposit HK$20.75M · loan HK$20.75M · min. income ≈ HK$221,978/mo (50% DSR)
Upfront cash ≈ HK$22.52M (deposit + AVD stamp duty HK$1,764,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,583
−HK$7,122/mo
▼ 0.25% · 3.875%
HK$117,116
−HK$3,589/mo
Today · 4.125%
HK$120,705
baseline
▲ 0.50% · 4.625%
HK$128,050
+HK$7,345/mo
Deposit HK$16.60M · loan HK$24.91M · min. income ≈ HK$241,410/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,764,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,359
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$129,748
−HK$3,438/mo
Today · 4.125%
HK$133,186
baseline
▲ 0.50% · 4.625%
HK$140,207
+HK$7,021/mo
Deposit HK$16.60M · loan HK$24.91M · min. income ≈ HK$266,372/mo (50% DSR)
Upfront cash ≈ HK$18.37M (deposit + AVD stamp duty HK$1,764,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,513
−HK$8,310/mo
▼ 0.25% · 3.875%
HK$136,635
−HK$4,188/mo
Today · 4.125%
HK$140,823
baseline
▲ 0.50% · 4.625%
HK$149,391
+HK$8,568/mo
Deposit HK$12.45M · loan HK$29.06M · min. income ≈ HK$281,646/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,419
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$151,373
−HK$4,011/mo
Today · 4.125%
HK$155,384
baseline
▲ 0.50% · 4.625%
HK$163,574
+HK$8,190/mo
Deposit HK$12.45M · loan HK$29.06M · min. income ≈ HK$310,768/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,764,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,374
−HK$10,684/mo
▼ 0.25% · 3.875%
HK$175,673
−HK$5,385/mo
Today · 4.125%
HK$181,058
baseline
▲ 0.50% · 4.625%
HK$192,075
+HK$11,017/mo
Deposit HK$4.15M · loan HK$37.36M · min. income ≈ HK$362,116/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,764,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,539
−HK$10,240/mo
▼ 0.25% · 3.875%
HK$194,623
−HK$5,156/mo
Today · 4.125%
HK$199,779
baseline
▲ 0.50% · 4.625%
HK$210,310
+HK$10,531/mo
Deposit HK$4.15M · loan HK$37.36M · min. income ≈ HK$399,558/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,764,151 · Scale 2, in force from 26 Feb 2026)