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$89,539
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$92,325
−HK$2,829/mo
Today · 4.125%
HK$95,154
baseline
▲ 0.50% · 4.625%
HK$100,944
+HK$5,790/mo
Deposit HK$19.63M · loan HK$19.63M · min. income ≈ HK$190,308/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$1,668,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,612
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$102,283
−HK$2,710/mo
Today · 4.125%
HK$104,993
baseline
▲ 0.50% · 4.625%
HK$110,528
+HK$5,535/mo
Deposit HK$19.63M · loan HK$19.63M · min. income ≈ HK$209,986/mo (50% DSR)
Upfront cash ≈ HK$21.30M (deposit + AVD stamp duty HK$1,668,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,447
−HK$6,738/mo
▼ 0.25% · 3.875%
HK$110,789
−HK$3,396/mo
Today · 4.125%
HK$114,185
baseline
▲ 0.50% · 4.625%
HK$121,133
+HK$6,948/mo
Deposit HK$15.71M · loan HK$23.56M · min. income ≈ HK$228,370/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,668,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,534
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$122,740
−HK$3,252/mo
Today · 4.125%
HK$125,992
baseline
▲ 0.50% · 4.625%
HK$132,633
+HK$6,641/mo
Deposit HK$15.71M · loan HK$23.56M · min. income ≈ HK$251,984/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,668,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,355
−HK$7,861/mo
▼ 0.25% · 3.875%
HK$129,254
−HK$3,962/mo
Today · 4.125%
HK$133,216
baseline
▲ 0.50% · 4.625%
HK$141,322
+HK$8,106/mo
Deposit HK$11.78M · loan HK$27.49M · min. income ≈ HK$266,432/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,668,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,456
−HK$7,535/mo
▼ 0.25% · 3.875%
HK$143,196
−HK$3,795/mo
Today · 4.125%
HK$146,991
baseline
▲ 0.50% · 4.625%
HK$154,739
+HK$7,748/mo
Deposit HK$11.78M · loan HK$27.49M · min. income ≈ HK$293,982/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,668,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,171
−HK$10,107/mo
▼ 0.25% · 3.875%
HK$166,184
−HK$5,094/mo
Today · 4.125%
HK$171,278
baseline
▲ 0.50% · 4.625%
HK$181,699
+HK$10,421/mo
Deposit HK$3.93M · loan HK$35.34M · min. income ≈ HK$342,556/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,668,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,301
−HK$9,687/mo
▼ 0.25% · 3.875%
HK$184,110
−HK$4,878/mo
Today · 4.125%
HK$188,988
baseline
▲ 0.50% · 4.625%
HK$198,950
+HK$9,962/mo
Deposit HK$3.93M · loan HK$35.34M · min. income ≈ HK$377,976/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$1,668,857 · Scale 2, in force from 26 Feb 2026)