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$89,953
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,751
−HK$2,842/mo
Today · 4.125%
HK$95,593
baseline
▲ 0.50% · 4.625%
HK$101,410
+HK$5,817/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$191,186/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$1,676,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,071
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$102,755
−HK$2,723/mo
Today · 4.125%
HK$105,478
baseline
▲ 0.50% · 4.625%
HK$111,038
+HK$5,560/mo
Deposit HK$19.72M · loan HK$19.72M · min. income ≈ HK$210,956/mo (50% DSR)
Upfront cash ≈ HK$21.40M (deposit + AVD stamp duty HK$1,676,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,943
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$111,301
−HK$3,411/mo
Today · 4.125%
HK$114,712
baseline
▲ 0.50% · 4.625%
HK$121,692
+HK$6,980/mo
Deposit HK$15.78M · loan HK$23.67M · min. income ≈ HK$229,424/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,676,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,086
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$123,306
−HK$3,267/mo
Today · 4.125%
HK$126,573
baseline
▲ 0.50% · 4.625%
HK$133,245
+HK$6,672/mo
Deposit HK$15.78M · loan HK$23.67M · min. income ≈ HK$253,146/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,676,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,934
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$129,851
−HK$3,980/mo
Today · 4.125%
HK$133,831
baseline
▲ 0.50% · 4.625%
HK$141,974
+HK$8,143/mo
Deposit HK$11.83M · loan HK$27.61M · min. income ≈ HK$267,662/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,100
−HK$7,569/mo
▼ 0.25% · 3.875%
HK$143,857
−HK$3,812/mo
Today · 4.125%
HK$147,669
baseline
▲ 0.50% · 4.625%
HK$155,453
+HK$7,784/mo
Deposit HK$11.83M · loan HK$27.61M · min. income ≈ HK$295,338/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,676,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,915
−HK$10,153/mo
▼ 0.25% · 3.875%
HK$166,951
−HK$5,117/mo
Today · 4.125%
HK$172,068
baseline
▲ 0.50% · 4.625%
HK$182,538
+HK$10,470/mo
Deposit HK$3.94M · loan HK$35.50M · min. income ≈ HK$344,136/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,128
−HK$9,732/mo
▼ 0.25% · 3.875%
HK$184,959
−HK$4,901/mo
Today · 4.125%
HK$189,860
baseline
▲ 0.50% · 4.625%
HK$199,868
+HK$10,008/mo
Deposit HK$3.94M · loan HK$35.50M · min. income ≈ HK$379,720/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,676,560 · Scale 2, in force from 26 Feb 2026)