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$92,467
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$95,343
−HK$2,922/mo
Today · 4.125%
HK$98,265
baseline
▲ 0.50% · 4.625%
HK$104,244
+HK$5,979/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$196,530/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,868
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$105,627
−HK$2,799/mo
Today · 4.125%
HK$108,426
baseline
▲ 0.50% · 4.625%
HK$114,141
+HK$5,715/mo
Deposit HK$20.28M · loan HK$20.28M · min. income ≈ HK$216,852/mo (50% DSR)
Upfront cash ≈ HK$22.00M (deposit + AVD stamp duty HK$1,723,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,960
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$114,411
−HK$3,507/mo
Today · 4.125%
HK$117,918
baseline
▲ 0.50% · 4.625%
HK$125,093
+HK$7,175/mo
Deposit HK$16.22M · loan HK$24.33M · min. income ≈ HK$235,836/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,723,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,442
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$126,752
−HK$3,359/mo
Today · 4.125%
HK$130,111
baseline
▲ 0.50% · 4.625%
HK$136,969
+HK$6,858/mo
Deposit HK$16.22M · loan HK$24.33M · min. income ≈ HK$260,222/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,723,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,453
−HK$8,118/mo
▼ 0.25% · 3.875%
HK$133,480
−HK$4,091/mo
Today · 4.125%
HK$137,571
baseline
▲ 0.50% · 4.625%
HK$145,942
+HK$8,371/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$275,142/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,015
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$147,878
−HK$3,918/mo
Today · 4.125%
HK$151,796
baseline
▲ 0.50% · 4.625%
HK$159,798
+HK$8,002/mo
Deposit HK$12.17M · loan HK$28.39M · min. income ≈ HK$303,592/mo (50% DSR)
Upfront cash ≈ HK$13.89M (deposit + AVD stamp duty HK$1,723,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,440
−HK$10,437/mo
▼ 0.25% · 3.875%
HK$171,617
−HK$5,260/mo
Today · 4.125%
HK$176,877
baseline
▲ 0.50% · 4.625%
HK$187,640
+HK$10,763/mo
Deposit HK$4.06M · loan HK$36.50M · min. income ≈ HK$353,754/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,163
−HK$10,004/mo
▼ 0.25% · 3.875%
HK$190,129
−HK$5,038/mo
Today · 4.125%
HK$195,167
baseline
▲ 0.50% · 4.625%
HK$205,454
+HK$10,287/mo
Deposit HK$4.06M · loan HK$36.50M · min. income ≈ HK$390,334/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,723,417 · Scale 2, in force from 26 Feb 2026)