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$91,850
−HK$5,760/mo
▼ 0.25% · 3.875%
HK$94,707
−HK$2,903/mo
Today · 4.125%
HK$97,610
baseline
▲ 0.50% · 4.625%
HK$103,549
+HK$5,939/mo
Deposit HK$20.14M · loan HK$20.14M · min. income ≈ HK$195,220/mo (50% DSR)
Upfront cash ≈ HK$21.85M (deposit + AVD stamp duty HK$1,711,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,182
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$104,923
−HK$2,780/mo
Today · 4.125%
HK$107,703
baseline
▲ 0.50% · 4.625%
HK$113,380
+HK$5,677/mo
Deposit HK$20.14M · loan HK$20.14M · min. income ≈ HK$215,406/mo (50% DSR)
Upfront cash ≈ HK$21.85M (deposit + AVD stamp duty HK$1,711,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,220
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$113,648
−HK$3,484/mo
Today · 4.125%
HK$117,132
baseline
▲ 0.50% · 4.625%
HK$124,259
+HK$7,127/mo
Deposit HK$16.11M · loan HK$24.17M · min. income ≈ HK$234,264/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,711,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,619
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$125,907
−HK$3,336/mo
Today · 4.125%
HK$129,243
baseline
▲ 0.50% · 4.625%
HK$136,056
+HK$6,813/mo
Deposit HK$16.11M · loan HK$24.17M · min. income ≈ HK$258,486/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,711,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,590
−HK$8,064/mo
▼ 0.25% · 3.875%
HK$132,590
−HK$4,064/mo
Today · 4.125%
HK$136,654
baseline
▲ 0.50% · 4.625%
HK$144,969
+HK$8,315/mo
Deposit HK$12.08M · loan HK$28.20M · min. income ≈ HK$273,308/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,711,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,055
−HK$7,729/mo
▼ 0.25% · 3.875%
HK$146,892
−HK$3,892/mo
Today · 4.125%
HK$150,784
baseline
▲ 0.50% · 4.625%
HK$158,732
+HK$7,948/mo
Deposit HK$12.08M · loan HK$28.20M · min. income ≈ HK$301,568/mo (50% DSR)
Upfront cash ≈ HK$13.80M (deposit + AVD stamp duty HK$1,711,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,330
−HK$10,368/mo
▼ 0.25% · 3.875%
HK$170,473
−HK$5,225/mo
Today · 4.125%
HK$175,698
baseline
▲ 0.50% · 4.625%
HK$186,388
+HK$10,690/mo
Deposit HK$4.03M · loan HK$36.25M · min. income ≈ HK$351,396/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,711,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,928
−HK$9,937/mo
▼ 0.25% · 3.875%
HK$188,861
−HK$5,004/mo
Today · 4.125%
HK$193,865
baseline
▲ 0.50% · 4.625%
HK$204,084
+HK$10,219/mo
Deposit HK$4.03M · loan HK$36.25M · min. income ≈ HK$387,730/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$1,711,923 · Scale 2, in force from 26 Feb 2026)