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$90,702
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$93,523
−HK$2,867/mo
Today · 4.125%
HK$96,390
baseline
▲ 0.50% · 4.625%
HK$102,255
+HK$5,865/mo
Deposit HK$19.89M · loan HK$19.89M · min. income ≈ HK$192,780/mo (50% DSR)
Upfront cash ≈ HK$21.58M (deposit + AVD stamp duty HK$1,690,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,905
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$103,611
−HK$2,746/mo
Today · 4.125%
HK$106,357
baseline
▲ 0.50% · 4.625%
HK$111,963
+HK$5,606/mo
Deposit HK$19.89M · loan HK$19.89M · min. income ≈ HK$212,714/mo (50% DSR)
Upfront cash ≈ HK$21.58M (deposit + AVD stamp duty HK$1,690,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,843
−HK$6,825/mo
▼ 0.25% · 3.875%
HK$112,228
−HK$3,440/mo
Today · 4.125%
HK$115,668
baseline
▲ 0.50% · 4.625%
HK$122,706
+HK$7,038/mo
Deposit HK$15.91M · loan HK$23.87M · min. income ≈ HK$231,336/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,690,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,086
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$124,334
−HK$3,294/mo
Today · 4.125%
HK$127,628
baseline
▲ 0.50% · 4.625%
HK$134,356
+HK$6,728/mo
Deposit HK$15.91M · loan HK$23.87M · min. income ≈ HK$255,256/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,690,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,983
−HK$7,963/mo
▼ 0.25% · 3.875%
HK$130,933
−HK$4,013/mo
Today · 4.125%
HK$134,946
baseline
▲ 0.50% · 4.625%
HK$143,157
+HK$8,211/mo
Deposit HK$11.93M · loan HK$27.84M · min. income ≈ HK$269,892/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,690,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,267
−HK$7,633/mo
▼ 0.25% · 3.875%
HK$145,056
−HK$3,844/mo
Today · 4.125%
HK$148,900
baseline
▲ 0.50% · 4.625%
HK$156,748
+HK$7,848/mo
Deposit HK$11.93M · loan HK$27.84M · min. income ≈ HK$297,800/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,690,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,264
−HK$10,238/mo
▼ 0.25% · 3.875%
HK$168,342
−HK$5,160/mo
Today · 4.125%
HK$173,502
baseline
▲ 0.50% · 4.625%
HK$184,059
+HK$10,557/mo
Deposit HK$3.98M · loan HK$35.80M · min. income ≈ HK$347,004/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,690,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,629
−HK$9,813/mo
▼ 0.25% · 3.875%
HK$186,501
−HK$4,941/mo
Today · 4.125%
HK$191,442
baseline
▲ 0.50% · 4.625%
HK$201,533
+HK$10,091/mo
Deposit HK$3.98M · loan HK$35.80M · min. income ≈ HK$382,884/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,690,530 · Scale 2, in force from 26 Feb 2026)