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$95,164
−HK$5,967/mo
▼ 0.25% · 3.875%
HK$98,124
−HK$3,007/mo
Today · 4.125%
HK$101,131
baseline
▲ 0.50% · 4.625%
HK$107,285
+HK$6,154/mo
Deposit HK$20.87M · loan HK$20.87M · min. income ≈ HK$202,262/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$1,773,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,869
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$108,708
−HK$2,881/mo
Today · 4.125%
HK$111,589
baseline
▲ 0.50% · 4.625%
HK$117,471
+HK$5,882/mo
Deposit HK$20.87M · loan HK$20.87M · min. income ≈ HK$223,178/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$1,773,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,197
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$117,749
−HK$3,609/mo
Today · 4.125%
HK$121,358
baseline
▲ 0.50% · 4.625%
HK$128,742
+HK$7,384/mo
Deposit HK$16.69M · loan HK$25.04M · min. income ≈ HK$242,716/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,773,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,043
−HK$6,863/mo
▼ 0.25% · 3.875%
HK$130,450
−HK$3,456/mo
Today · 4.125%
HK$133,906
baseline
▲ 0.50% · 4.625%
HK$140,965
+HK$7,059/mo
Deposit HK$16.69M · loan HK$25.04M · min. income ≈ HK$267,812/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,773,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,229
−HK$8,355/mo
▼ 0.25% · 3.875%
HK$137,374
−HK$4,210/mo
Today · 4.125%
HK$141,584
baseline
▲ 0.50% · 4.625%
HK$150,199
+HK$8,615/mo
Deposit HK$12.52M · loan HK$29.21M · min. income ≈ HK$283,168/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,773,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,216
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$152,191
−HK$4,033/mo
Today · 4.125%
HK$156,224
baseline
▲ 0.50% · 4.625%
HK$164,459
+HK$8,235/mo
Deposit HK$12.52M · loan HK$29.21M · min. income ≈ HK$312,448/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,773,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,295
−HK$10,742/mo
▼ 0.25% · 3.875%
HK$176,623
−HK$5,414/mo
Today · 4.125%
HK$182,037
baseline
▲ 0.50% · 4.625%
HK$193,113
+HK$11,076/mo
Deposit HK$4.17M · loan HK$37.56M · min. income ≈ HK$364,074/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,773,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,564
−HK$10,295/mo
▼ 0.25% · 3.875%
HK$195,675
−HK$5,184/mo
Today · 4.125%
HK$200,859
baseline
▲ 0.50% · 4.625%
HK$211,447
+HK$10,588/mo
Deposit HK$4.17M · loan HK$37.56M · min. income ≈ HK$401,718/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,773,688 · Scale 2, in force from 26 Feb 2026)