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$93,436
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$96,343
−HK$2,953/mo
Today · 4.125%
HK$99,296
baseline
▲ 0.50% · 4.625%
HK$105,337
+HK$6,041/mo
Deposit HK$20.49M · loan HK$20.49M · min. income ≈ HK$198,592/mo (50% DSR)
Upfront cash ≈ HK$22.23M (deposit + AVD stamp duty HK$1,741,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,947
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$106,735
−HK$2,828/mo
Today · 4.125%
HK$109,563
baseline
▲ 0.50% · 4.625%
HK$115,338
+HK$5,775/mo
Deposit HK$20.49M · loan HK$20.49M · min. income ≈ HK$219,126/mo (50% DSR)
Upfront cash ≈ HK$22.23M (deposit + AVD stamp duty HK$1,741,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,124
−HK$7,031/mo
▼ 0.25% · 3.875%
HK$115,611
−HK$3,544/mo
Today · 4.125%
HK$119,155
baseline
▲ 0.50% · 4.625%
HK$126,405
+HK$7,250/mo
Deposit HK$16.39M · loan HK$24.59M · min. income ≈ HK$238,310/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,741,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,736
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$128,082
−HK$3,393/mo
Today · 4.125%
HK$131,475
baseline
▲ 0.50% · 4.625%
HK$138,406
+HK$6,931/mo
Deposit HK$16.39M · loan HK$24.59M · min. income ≈ HK$262,950/mo (50% DSR)
Upfront cash ≈ HK$18.13M (deposit + AVD stamp duty HK$1,741,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,811
−HK$8,203/mo
▼ 0.25% · 3.875%
HK$134,880
−HK$4,134/mo
Today · 4.125%
HK$139,014
baseline
▲ 0.50% · 4.625%
HK$147,472
+HK$8,458/mo
Deposit HK$12.29M · loan HK$28.68M · min. income ≈ HK$278,028/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,741,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,526
−HK$7,862/mo
▼ 0.25% · 3.875%
HK$149,429
−HK$3,959/mo
Today · 4.125%
HK$153,388
baseline
▲ 0.50% · 4.625%
HK$161,473
+HK$8,085/mo
Deposit HK$12.29M · loan HK$28.68M · min. income ≈ HK$306,776/mo (50% DSR)
Upfront cash ≈ HK$14.03M (deposit + AVD stamp duty HK$1,741,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,185
−HK$10,547/mo
▼ 0.25% · 3.875%
HK$173,417
−HK$5,315/mo
Today · 4.125%
HK$178,732
baseline
▲ 0.50% · 4.625%
HK$189,607
+HK$10,875/mo
Deposit HK$4.10M · loan HK$36.88M · min. income ≈ HK$357,464/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,741,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,104
−HK$10,109/mo
▼ 0.25% · 3.875%
HK$192,122
−HK$5,091/mo
Today · 4.125%
HK$197,213
baseline
▲ 0.50% · 4.625%
HK$207,608
+HK$10,395/mo
Deposit HK$4.10M · loan HK$36.88M · min. income ≈ HK$394,426/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$1,741,489 · Scale 2, in force from 26 Feb 2026)