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$93,290
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$96,192
−HK$2,949/mo
Today · 4.125%
HK$99,141
baseline
▲ 0.50% · 4.625%
HK$105,173
+HK$6,032/mo
Deposit HK$20.46M · loan HK$20.46M · min. income ≈ HK$198,282/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$1,738,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,785
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$106,568
−HK$2,824/mo
Today · 4.125%
HK$109,392
baseline
▲ 0.50% · 4.625%
HK$115,158
+HK$5,766/mo
Deposit HK$20.46M · loan HK$20.46M · min. income ≈ HK$218,784/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$1,738,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,949
−HK$7,020/mo
▼ 0.25% · 3.875%
HK$115,431
−HK$3,538/mo
Today · 4.125%
HK$118,969
baseline
▲ 0.50% · 4.625%
HK$126,208
+HK$7,239/mo
Deposit HK$16.36M · loan HK$24.55M · min. income ≈ HK$237,938/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,738,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,542
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$127,882
−HK$3,388/mo
Today · 4.125%
HK$131,270
baseline
▲ 0.50% · 4.625%
HK$138,190
+HK$6,920/mo
Deposit HK$16.36M · loan HK$24.55M · min. income ≈ HK$262,540/mo (50% DSR)
Upfront cash ≈ HK$18.10M (deposit + AVD stamp duty HK$1,738,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,607
−HK$8,190/mo
▼ 0.25% · 3.875%
HK$134,669
−HK$4,128/mo
Today · 4.125%
HK$138,797
baseline
▲ 0.50% · 4.625%
HK$147,242
+HK$8,445/mo
Deposit HK$12.27M · loan HK$28.64M · min. income ≈ HK$277,594/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,738,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,299
−HK$7,850/mo
▼ 0.25% · 3.875%
HK$149,195
−HK$3,954/mo
Today · 4.125%
HK$153,149
baseline
▲ 0.50% · 4.625%
HK$161,221
+HK$8,072/mo
Deposit HK$12.27M · loan HK$28.64M · min. income ≈ HK$306,298/mo (50% DSR)
Upfront cash ≈ HK$14.01M (deposit + AVD stamp duty HK$1,738,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,923
−HK$10,530/mo
▼ 0.25% · 3.875%
HK$173,146
−HK$5,307/mo
Today · 4.125%
HK$178,453
baseline
▲ 0.50% · 4.625%
HK$189,311
+HK$10,858/mo
Deposit HK$4.09M · loan HK$36.82M · min. income ≈ HK$356,906/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,738,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,812
−HK$10,093/mo
▼ 0.25% · 3.875%
HK$191,823
−HK$5,082/mo
Today · 4.125%
HK$196,905
baseline
▲ 0.50% · 4.625%
HK$207,284
+HK$10,379/mo
Deposit HK$4.09M · loan HK$36.82M · min. income ≈ HK$393,810/mo (50% DSR)
Upfront cash ≈ HK$5.83M (deposit + AVD stamp duty HK$1,738,771 · Scale 2, in force from 26 Feb 2026)