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$95,483
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$98,453
−HK$3,018/mo
Today · 4.125%
HK$101,471
baseline
▲ 0.50% · 4.625%
HK$107,645
+HK$6,174/mo
Deposit HK$20.94M · loan HK$20.94M · min. income ≈ HK$202,942/mo (50% DSR)
Upfront cash ≈ HK$22.72M (deposit + AVD stamp duty HK$1,779,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,224
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$109,073
−HK$2,890/mo
Today · 4.125%
HK$111,963
baseline
▲ 0.50% · 4.625%
HK$117,865
+HK$5,902/mo
Deposit HK$20.94M · loan HK$20.94M · min. income ≈ HK$223,926/mo (50% DSR)
Upfront cash ≈ HK$22.72M (deposit + AVD stamp duty HK$1,779,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,580
−HK$7,185/mo
▼ 0.25% · 3.875%
HK$118,144
−HK$3,621/mo
Today · 4.125%
HK$121,765
baseline
▲ 0.50% · 4.625%
HK$129,174
+HK$7,409/mo
Deposit HK$16.75M · loan HK$25.12M · min. income ≈ HK$243,530/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$1,779,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,469
−HK$6,886/mo
▼ 0.25% · 3.875%
HK$130,887
−HK$3,468/mo
Today · 4.125%
HK$134,355
baseline
▲ 0.50% · 4.625%
HK$141,437
+HK$7,082/mo
Deposit HK$16.75M · loan HK$25.12M · min. income ≈ HK$268,710/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$1,779,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,676
−HK$8,383/mo
▼ 0.25% · 3.875%
HK$137,834
−HK$4,225/mo
Today · 4.125%
HK$142,059
baseline
▲ 0.50% · 4.625%
HK$150,703
+HK$8,644/mo
Deposit HK$12.56M · loan HK$29.31M · min. income ≈ HK$284,118/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,779,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,713
−HK$8,035/mo
▼ 0.25% · 3.875%
HK$152,702
−HK$4,046/mo
Today · 4.125%
HK$156,748
baseline
▲ 0.50% · 4.625%
HK$165,010
+HK$8,262/mo
Deposit HK$12.56M · loan HK$29.31M · min. income ≈ HK$313,496/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,779,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,869
−HK$10,778/mo
▼ 0.25% · 3.875%
HK$177,216
−HK$5,431/mo
Today · 4.125%
HK$182,647
baseline
▲ 0.50% · 4.625%
HK$193,761
+HK$11,114/mo
Deposit HK$4.19M · loan HK$37.69M · min. income ≈ HK$365,294/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,779,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,203
−HK$10,330/mo
▼ 0.25% · 3.875%
HK$196,331
−HK$5,202/mo
Today · 4.125%
HK$201,533
baseline
▲ 0.50% · 4.625%
HK$212,156
+HK$10,623/mo
Deposit HK$4.19M · loan HK$37.69M · min. income ≈ HK$403,066/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,779,637 · Scale 2, in force from 26 Feb 2026)