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$93,089
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$95,985
−HK$2,941/mo
Today · 4.125%
HK$98,926
baseline
▲ 0.50% · 4.625%
HK$104,946
+HK$6,020/mo
Deposit HK$20.41M · loan HK$20.41M · min. income ≈ HK$197,852/mo (50% DSR)
Upfront cash ≈ HK$22.15M (deposit + AVD stamp duty HK$1,735,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,561
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$106,338
−HK$2,818/mo
Today · 4.125%
HK$109,156
baseline
▲ 0.50% · 4.625%
HK$114,909
+HK$5,753/mo
Deposit HK$20.41M · loan HK$20.41M · min. income ≈ HK$218,312/mo (50% DSR)
Upfront cash ≈ HK$22.15M (deposit + AVD stamp duty HK$1,735,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,707
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$115,181
−HK$3,531/mo
Today · 4.125%
HK$118,712
baseline
▲ 0.50% · 4.625%
HK$125,935
+HK$7,223/mo
Deposit HK$16.33M · loan HK$24.49M · min. income ≈ HK$237,424/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,735,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,273
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$127,606
−HK$3,381/mo
Today · 4.125%
HK$130,987
baseline
▲ 0.50% · 4.625%
HK$137,891
+HK$6,904/mo
Deposit HK$16.33M · loan HK$24.49M · min. income ≈ HK$261,974/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,735,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,325
−HK$8,172/mo
▼ 0.25% · 3.875%
HK$134,378
−HK$4,119/mo
Today · 4.125%
HK$138,497
baseline
▲ 0.50% · 4.625%
HK$146,924
+HK$8,427/mo
Deposit HK$12.25M · loan HK$28.58M · min. income ≈ HK$276,994/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,735,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,985
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$148,873
−HK$3,945/mo
Today · 4.125%
HK$152,818
baseline
▲ 0.50% · 4.625%
HK$160,873
+HK$8,055/mo
Deposit HK$12.25M · loan HK$28.58M · min. income ≈ HK$305,636/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,735,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,560
−HK$10,508/mo
▼ 0.25% · 3.875%
HK$172,772
−HK$5,296/mo
Today · 4.125%
HK$178,068
baseline
▲ 0.50% · 4.625%
HK$188,903
+HK$10,835/mo
Deposit HK$4.08M · loan HK$36.74M · min. income ≈ HK$356,136/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,735,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,409
−HK$10,071/mo
▼ 0.25% · 3.875%
HK$191,408
−HK$5,072/mo
Today · 4.125%
HK$196,480
baseline
▲ 0.50% · 4.625%
HK$206,837
+HK$10,357/mo
Deposit HK$4.08M · loan HK$36.74M · min. income ≈ HK$392,960/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,735,017 · Scale 2, in force from 26 Feb 2026)