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$89,999
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$92,799
−HK$2,844/mo
Today · 4.125%
HK$95,643
baseline
▲ 0.50% · 4.625%
HK$101,463
+HK$5,820/mo
Deposit HK$19.73M · loan HK$19.73M · min. income ≈ HK$191,286/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,677,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,123
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$102,808
−HK$2,724/mo
Today · 4.125%
HK$105,532
baseline
▲ 0.50% · 4.625%
HK$111,095
+HK$5,563/mo
Deposit HK$19.73M · loan HK$19.73M · min. income ≈ HK$211,064/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,677,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,999
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$111,358
−HK$3,413/mo
Today · 4.125%
HK$114,771
baseline
▲ 0.50% · 4.625%
HK$121,755
+HK$6,984/mo
Deposit HK$15.79M · loan HK$23.68M · min. income ≈ HK$229,542/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,677,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,148
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$123,370
−HK$3,269/mo
Today · 4.125%
HK$126,639
baseline
▲ 0.50% · 4.625%
HK$133,314
+HK$6,675/mo
Deposit HK$15.79M · loan HK$23.68M · min. income ≈ HK$253,278/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,677,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,999
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$129,918
−HK$3,982/mo
Today · 4.125%
HK$133,900
baseline
▲ 0.50% · 4.625%
HK$142,048
+HK$8,148/mo
Deposit HK$11.84M · loan HK$27.63M · min. income ≈ HK$267,800/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,677,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,172
−HK$7,573/mo
▼ 0.25% · 3.875%
HK$143,932
−HK$3,813/mo
Today · 4.125%
HK$147,745
baseline
▲ 0.50% · 4.625%
HK$155,533
+HK$7,788/mo
Deposit HK$11.84M · loan HK$27.63M · min. income ≈ HK$295,490/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,677,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,998
−HK$10,159/mo
▼ 0.25% · 3.875%
HK$167,038
−HK$5,119/mo
Today · 4.125%
HK$172,157
baseline
▲ 0.50% · 4.625%
HK$182,633
+HK$10,476/mo
Deposit HK$3.95M · loan HK$35.52M · min. income ≈ HK$344,314/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,677,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,222
−HK$9,736/mo
▼ 0.25% · 3.875%
HK$185,055
−HK$4,903/mo
Today · 4.125%
HK$189,958
baseline
▲ 0.50% · 4.625%
HK$199,971
+HK$10,013/mo
Deposit HK$3.95M · loan HK$35.52M · min. income ≈ HK$379,916/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,677,427 · Scale 2, in force from 26 Feb 2026)