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$94,810
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$97,759
−HK$2,997/mo
Today · 4.125%
HK$100,756
baseline
▲ 0.50% · 4.625%
HK$106,886
+HK$6,130/mo
Deposit HK$20.79M · loan HK$20.79M · min. income ≈ HK$201,512/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$1,767,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,475
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$108,304
−HK$2,870/mo
Today · 4.125%
HK$111,174
baseline
▲ 0.50% · 4.625%
HK$117,034
+HK$5,860/mo
Deposit HK$20.79M · loan HK$20.79M · min. income ≈ HK$222,348/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$1,767,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,772
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$117,311
−HK$3,596/mo
Today · 4.125%
HK$120,907
baseline
▲ 0.50% · 4.625%
HK$128,264
+HK$7,357/mo
Deposit HK$16.63M · loan HK$24.95M · min. income ≈ HK$241,814/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,767,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,571
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$129,965
−HK$3,444/mo
Today · 4.125%
HK$133,409
baseline
▲ 0.50% · 4.625%
HK$140,441
+HK$7,032/mo
Deposit HK$16.63M · loan HK$24.95M · min. income ≈ HK$266,818/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,767,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,734
−HK$8,324/mo
▼ 0.25% · 3.875%
HK$136,863
−HK$4,195/mo
Today · 4.125%
HK$141,058
baseline
▲ 0.50% · 4.625%
HK$149,641
+HK$8,583/mo
Deposit HK$12.47M · loan HK$29.11M · min. income ≈ HK$282,116/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,767,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,666
−HK$7,978/mo
▼ 0.25% · 3.875%
HK$151,626
−HK$4,018/mo
Today · 4.125%
HK$155,644
baseline
▲ 0.50% · 4.625%
HK$163,848
+HK$8,204/mo
Deposit HK$12.47M · loan HK$29.11M · min. income ≈ HK$311,288/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,767,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,658
−HK$10,702/mo
▼ 0.25% · 3.875%
HK$175,967
−HK$5,393/mo
Today · 4.125%
HK$181,360
baseline
▲ 0.50% · 4.625%
HK$192,396
+HK$11,036/mo
Deposit HK$4.16M · loan HK$37.42M · min. income ≈ HK$362,720/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,767,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,856
−HK$10,257/mo
▼ 0.25% · 3.875%
HK$194,948
−HK$5,165/mo
Today · 4.125%
HK$200,113
baseline
▲ 0.50% · 4.625%
HK$210,661
+HK$10,548/mo
Deposit HK$4.16M · loan HK$37.42M · min. income ≈ HK$400,226/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,767,098 · Scale 2, in force from 26 Feb 2026)