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$89,911
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$92,708
−HK$2,841/mo
Today · 4.125%
HK$95,549
baseline
▲ 0.50% · 4.625%
HK$101,363
+HK$5,814/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$191,098/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,675,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,025
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$102,708
−HK$2,721/mo
Today · 4.125%
HK$105,429
baseline
▲ 0.50% · 4.625%
HK$110,986
+HK$5,557/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$210,858/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,675,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,893
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$111,249
−HK$3,410/mo
Today · 4.125%
HK$114,659
baseline
▲ 0.50% · 4.625%
HK$121,636
+HK$6,977/mo
Deposit HK$15.77M · loan HK$23.66M · min. income ≈ HK$229,318/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,675,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,030
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$123,249
−HK$3,266/mo
Today · 4.125%
HK$126,515
baseline
▲ 0.50% · 4.625%
HK$133,184
+HK$6,669/mo
Deposit HK$15.77M · loan HK$23.66M · min. income ≈ HK$253,030/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,675,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,875
−HK$7,894/mo
▼ 0.25% · 3.875%
HK$129,791
−HK$3,978/mo
Today · 4.125%
HK$133,769
baseline
▲ 0.50% · 4.625%
HK$141,908
+HK$8,139/mo
Deposit HK$11.83M · loan HK$27.60M · min. income ≈ HK$267,538/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,675,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,035
−HK$7,566/mo
▼ 0.25% · 3.875%
HK$143,791
−HK$3,810/mo
Today · 4.125%
HK$147,601
baseline
▲ 0.50% · 4.625%
HK$155,381
+HK$7,780/mo
Deposit HK$11.83M · loan HK$27.60M · min. income ≈ HK$295,202/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,675,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,840
−HK$10,148/mo
▼ 0.25% · 3.875%
HK$166,874
−HK$5,114/mo
Today · 4.125%
HK$171,988
baseline
▲ 0.50% · 4.625%
HK$182,453
+HK$10,465/mo
Deposit HK$3.94M · loan HK$35.49M · min. income ≈ HK$343,976/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,045
−HK$9,727/mo
▼ 0.25% · 3.875%
HK$184,874
−HK$4,898/mo
Today · 4.125%
HK$189,772
baseline
▲ 0.50% · 4.625%
HK$199,775
+HK$10,003/mo
Deposit HK$3.94M · loan HK$35.49M · min. income ≈ HK$379,544/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,782 · Scale 2, in force from 26 Feb 2026)