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$94,383
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$97,319
−HK$2,982/mo
Today · 4.125%
HK$100,301
baseline
▲ 0.50% · 4.625%
HK$106,404
+HK$6,103/mo
Deposit HK$20.70M · loan HK$20.70M · min. income ≈ HK$200,602/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$1,759,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,000
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$107,816
−HK$2,857/mo
Today · 4.125%
HK$110,673
baseline
▲ 0.50% · 4.625%
HK$116,506
+HK$5,833/mo
Deposit HK$20.70M · loan HK$20.70M · min. income ≈ HK$221,346/mo (50% DSR)
Upfront cash ≈ HK$22.45M (deposit + AVD stamp duty HK$1,759,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,259
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$116,782
−HK$3,580/mo
Today · 4.125%
HK$120,362
baseline
▲ 0.50% · 4.625%
HK$127,685
+HK$7,323/mo
Deposit HK$16.56M · loan HK$24.83M · min. income ≈ HK$240,724/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,759,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,000
−HK$6,807/mo
▼ 0.25% · 3.875%
HK$129,379
−HK$3,428/mo
Today · 4.125%
HK$132,807
baseline
▲ 0.50% · 4.625%
HK$139,808
+HK$7,001/mo
Deposit HK$16.56M · loan HK$24.83M · min. income ≈ HK$265,614/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$1,759,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,136
−HK$8,286/mo
▼ 0.25% · 3.875%
HK$136,246
−HK$4,176/mo
Today · 4.125%
HK$140,422
baseline
▲ 0.50% · 4.625%
HK$148,966
+HK$8,544/mo
Deposit HK$12.42M · loan HK$28.97M · min. income ≈ HK$280,844/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,000
−HK$7,942/mo
▼ 0.25% · 3.875%
HK$150,942
−HK$4,000/mo
Today · 4.125%
HK$154,942
baseline
▲ 0.50% · 4.625%
HK$163,109
+HK$8,167/mo
Deposit HK$12.42M · loan HK$28.97M · min. income ≈ HK$309,884/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,759,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,889
−HK$10,653/mo
▼ 0.25% · 3.875%
HK$175,173
−HK$5,369/mo
Today · 4.125%
HK$180,542
baseline
▲ 0.50% · 4.625%
HK$191,528
+HK$10,986/mo
Deposit HK$4.14M · loan HK$37.25M · min. income ≈ HK$361,084/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,000
−HK$10,211/mo
▼ 0.25% · 3.875%
HK$194,068
−HK$5,143/mo
Today · 4.125%
HK$199,211
baseline
▲ 0.50% · 4.625%
HK$209,711
+HK$10,500/mo
Deposit HK$4.14M · loan HK$37.25M · min. income ≈ HK$398,422/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$1,759,129 · Scale 2, in force from 26 Feb 2026)