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$91,402
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$94,245
−HK$2,889/mo
Today · 4.125%
HK$97,134
baseline
▲ 0.50% · 4.625%
HK$103,044
+HK$5,910/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$194,268/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,703,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,684
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,411
−HK$2,767/mo
Today · 4.125%
HK$107,178
baseline
▲ 0.50% · 4.625%
HK$112,827
+HK$5,649/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$214,356/mo (50% DSR)
Upfront cash ≈ HK$21.75M (deposit + AVD stamp duty HK$1,703,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,682
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$113,094
−HK$3,467/mo
Today · 4.125%
HK$116,561
baseline
▲ 0.50% · 4.625%
HK$123,653
+HK$7,092/mo
Deposit HK$16.03M · loan HK$24.05M · min. income ≈ HK$233,122/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,703,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,021
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$125,293
−HK$3,320/mo
Today · 4.125%
HK$128,613
baseline
▲ 0.50% · 4.625%
HK$135,392
+HK$6,779/mo
Deposit HK$16.03M · loan HK$24.05M · min. income ≈ HK$257,226/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,703,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,963
−HK$8,024/mo
▼ 0.25% · 3.875%
HK$131,943
−HK$4,044/mo
Today · 4.125%
HK$135,987
baseline
▲ 0.50% · 4.625%
HK$144,262
+HK$8,275/mo
Deposit HK$12.03M · loan HK$28.06M · min. income ≈ HK$271,974/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,357
−HK$7,692/mo
▼ 0.25% · 3.875%
HK$146,175
−HK$3,874/mo
Today · 4.125%
HK$150,049
baseline
▲ 0.50% · 4.625%
HK$157,958
+HK$7,909/mo
Deposit HK$12.03M · loan HK$28.06M · min. income ≈ HK$300,098/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,524
−HK$10,317/mo
▼ 0.25% · 3.875%
HK$169,641
−HK$5,200/mo
Today · 4.125%
HK$174,841
baseline
▲ 0.50% · 4.625%
HK$185,479
+HK$10,638/mo
Deposit HK$4.01M · loan HK$36.08M · min. income ≈ HK$349,682/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,031
−HK$9,889/mo
▼ 0.25% · 3.875%
HK$187,940
−HK$4,980/mo
Today · 4.125%
HK$192,920
baseline
▲ 0.50% · 4.625%
HK$203,089
+HK$10,169/mo
Deposit HK$4.01M · loan HK$36.08M · min. income ≈ HK$385,840/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,576 · Scale 2, in force from 26 Feb 2026)