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$91,396
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$94,239
−HK$2,888/mo
Today · 4.125%
HK$97,127
baseline
▲ 0.50% · 4.625%
HK$103,037
+HK$5,910/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$194,254/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$1,703,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,677
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$104,404
−HK$2,766/mo
Today · 4.125%
HK$107,170
baseline
▲ 0.50% · 4.625%
HK$112,819
+HK$5,649/mo
Deposit HK$20.04M · loan HK$20.04M · min. income ≈ HK$214,340/mo (50% DSR)
Upfront cash ≈ HK$21.74M (deposit + AVD stamp duty HK$1,703,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,675
−HK$6,878/mo
▼ 0.25% · 3.875%
HK$113,087
−HK$3,466/mo
Today · 4.125%
HK$116,553
baseline
▲ 0.50% · 4.625%
HK$123,645
+HK$7,092/mo
Deposit HK$16.03M · loan HK$24.05M · min. income ≈ HK$233,106/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,703,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,012
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$125,285
−HK$3,319/mo
Today · 4.125%
HK$128,604
baseline
▲ 0.50% · 4.625%
HK$135,383
+HK$6,779/mo
Deposit HK$16.03M · loan HK$24.05M · min. income ≈ HK$257,208/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,703,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,954
−HK$8,024/mo
▼ 0.25% · 3.875%
HK$131,934
−HK$4,044/mo
Today · 4.125%
HK$135,978
baseline
▲ 0.50% · 4.625%
HK$144,252
+HK$8,274/mo
Deposit HK$12.02M · loan HK$28.06M · min. income ≈ HK$271,956/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,348
−HK$7,690/mo
▼ 0.25% · 3.875%
HK$146,165
−HK$3,873/mo
Today · 4.125%
HK$150,038
baseline
▲ 0.50% · 4.625%
HK$157,947
+HK$7,909/mo
Deposit HK$12.02M · loan HK$28.06M · min. income ≈ HK$300,076/mo (50% DSR)
Upfront cash ≈ HK$13.73M (deposit + AVD stamp duty HK$1,703,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,513
−HK$10,316/mo
▼ 0.25% · 3.875%
HK$169,630
−HK$5,199/mo
Today · 4.125%
HK$174,829
baseline
▲ 0.50% · 4.625%
HK$185,467
+HK$10,638/mo
Deposit HK$4.01M · loan HK$36.07M · min. income ≈ HK$349,658/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,019
−HK$9,888/mo
▼ 0.25% · 3.875%
HK$187,927
−HK$4,980/mo
Today · 4.125%
HK$192,907
baseline
▲ 0.50% · 4.625%
HK$203,075
+HK$10,168/mo
Deposit HK$4.01M · loan HK$36.07M · min. income ≈ HK$385,814/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$1,703,460 · Scale 2, in force from 26 Feb 2026)