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$93,457
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$96,364
−HK$2,954/mo
Today · 4.125%
HK$99,318
baseline
▲ 0.50% · 4.625%
HK$105,361
+HK$6,043/mo
Deposit HK$20.49M · loan HK$20.49M · min. income ≈ HK$198,636/mo (50% DSR)
Upfront cash ≈ HK$22.23M (deposit + AVD stamp duty HK$1,741,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,970
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$106,759
−HK$2,828/mo
Today · 4.125%
HK$109,587
baseline
▲ 0.50% · 4.625%
HK$115,364
+HK$5,777/mo
Deposit HK$20.49M · loan HK$20.49M · min. income ≈ HK$219,174/mo (50% DSR)
Upfront cash ≈ HK$22.23M (deposit + AVD stamp duty HK$1,741,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,149
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$115,637
−HK$3,544/mo
Today · 4.125%
HK$119,181
baseline
▲ 0.50% · 4.625%
HK$126,433
+HK$7,252/mo
Deposit HK$16.39M · loan HK$24.59M · min. income ≈ HK$238,362/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,741,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,764
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$128,110
−HK$3,395/mo
Today · 4.125%
HK$131,505
baseline
▲ 0.50% · 4.625%
HK$138,437
+HK$6,932/mo
Deposit HK$16.39M · loan HK$24.59M · min. income ≈ HK$263,010/mo (50% DSR)
Upfront cash ≈ HK$18.14M (deposit + AVD stamp duty HK$1,741,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,840
−HK$8,205/mo
▼ 0.25% · 3.875%
HK$134,910
−HK$4,135/mo
Today · 4.125%
HK$139,045
baseline
▲ 0.50% · 4.625%
HK$147,505
+HK$8,460/mo
Deposit HK$12.30M · loan HK$28.69M · min. income ≈ HK$278,090/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,741,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,558
−HK$7,864/mo
▼ 0.25% · 3.875%
HK$149,462
−HK$3,960/mo
Today · 4.125%
HK$153,422
baseline
▲ 0.50% · 4.625%
HK$161,509
+HK$8,087/mo
Deposit HK$12.30M · loan HK$28.69M · min. income ≈ HK$306,844/mo (50% DSR)
Upfront cash ≈ HK$14.04M (deposit + AVD stamp duty HK$1,741,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,223
−HK$10,549/mo
▼ 0.25% · 3.875%
HK$173,456
−HK$5,316/mo
Today · 4.125%
HK$178,772
baseline
▲ 0.50% · 4.625%
HK$189,650
+HK$10,878/mo
Deposit HK$4.10M · loan HK$36.89M · min. income ≈ HK$357,544/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,741,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,146
−HK$10,111/mo
▼ 0.25% · 3.875%
HK$192,165
−HK$5,092/mo
Today · 4.125%
HK$197,257
baseline
▲ 0.50% · 4.625%
HK$207,655
+HK$10,398/mo
Deposit HK$4.10M · loan HK$36.89M · min. income ≈ HK$394,514/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,741,878 · Scale 2, in force from 26 Feb 2026)