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$92,779
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,665
−HK$2,932/mo
Today · 4.125%
HK$98,597
baseline
▲ 0.50% · 4.625%
HK$104,596
+HK$5,999/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$197,194/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,215
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$105,984
−HK$2,808/mo
Today · 4.125%
HK$108,792
baseline
▲ 0.50% · 4.625%
HK$114,526
+HK$5,734/mo
Deposit HK$20.34M · loan HK$20.34M · min. income ≈ HK$217,584/mo (50% DSR)
Upfront cash ≈ HK$22.07M (deposit + AVD stamp duty HK$1,729,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,334
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$114,798
−HK$3,518/mo
Today · 4.125%
HK$118,316
baseline
▲ 0.50% · 4.625%
HK$125,515
+HK$7,199/mo
Deposit HK$16.28M · loan HK$24.41M · min. income ≈ HK$236,632/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,729,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,858
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$127,180
−HK$3,370/mo
Today · 4.125%
HK$130,550
baseline
▲ 0.50% · 4.625%
HK$137,432
+HK$6,882/mo
Deposit HK$16.28M · loan HK$24.41M · min. income ≈ HK$261,100/mo (50% DSR)
Upfront cash ≈ HK$18.00M (deposit + AVD stamp duty HK$1,729,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,890
−HK$8,145/mo
▼ 0.25% · 3.875%
HK$133,931
−HK$4,104/mo
Today · 4.125%
HK$138,035
baseline
▲ 0.50% · 4.625%
HK$146,435
+HK$8,400/mo
Deposit HK$12.21M · loan HK$28.48M · min. income ≈ HK$276,070/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,502
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$148,377
−HK$3,932/mo
Today · 4.125%
HK$152,309
baseline
▲ 0.50% · 4.625%
HK$160,337
+HK$8,028/mo
Deposit HK$12.21M · loan HK$28.48M · min. income ≈ HK$304,618/mo (50% DSR)
Upfront cash ≈ HK$13.94M (deposit + AVD stamp duty HK$1,729,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,002
−HK$10,472/mo
▼ 0.25% · 3.875%
HK$172,196
−HK$5,278/mo
Today · 4.125%
HK$177,474
baseline
▲ 0.50% · 4.625%
HK$188,273
+HK$10,799/mo
Deposit HK$4.07M · loan HK$36.62M · min. income ≈ HK$354,948/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,788
−HK$10,037/mo
▼ 0.25% · 3.875%
HK$190,770
−HK$5,055/mo
Today · 4.125%
HK$195,825
baseline
▲ 0.50% · 4.625%
HK$206,147
+HK$10,322/mo
Deposit HK$4.07M · loan HK$36.62M · min. income ≈ HK$391,650/mo (50% DSR)
Upfront cash ≈ HK$5.80M (deposit + AVD stamp duty HK$1,729,234 · Scale 2, in force from 26 Feb 2026)