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$94,568
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$97,510
−HK$2,988/mo
Today · 4.125%
HK$100,498
baseline
▲ 0.50% · 4.625%
HK$106,613
+HK$6,115/mo
Deposit HK$20.74M · loan HK$20.74M · min. income ≈ HK$200,996/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$1,762,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,206
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$108,027
−HK$2,863/mo
Today · 4.125%
HK$110,890
baseline
▲ 0.50% · 4.625%
HK$116,735
+HK$5,845/mo
Deposit HK$20.74M · loan HK$20.74M · min. income ≈ HK$221,780/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$1,762,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,482
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$117,011
−HK$3,587/mo
Today · 4.125%
HK$120,598
baseline
▲ 0.50% · 4.625%
HK$127,936
+HK$7,338/mo
Deposit HK$16.59M · loan HK$24.88M · min. income ≈ HK$241,196/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,762,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,247
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$129,633
−HK$3,435/mo
Today · 4.125%
HK$133,068
baseline
▲ 0.50% · 4.625%
HK$140,082
+HK$7,014/mo
Deposit HK$16.59M · loan HK$24.88M · min. income ≈ HK$266,136/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$1,762,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,395
−HK$8,302/mo
▼ 0.25% · 3.875%
HK$136,513
−HK$4,184/mo
Today · 4.125%
HK$140,697
baseline
▲ 0.50% · 4.625%
HK$149,259
+HK$8,562/mo
Deposit HK$12.44M · loan HK$29.03M · min. income ≈ HK$281,394/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,762,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,288
−HK$7,958/mo
▼ 0.25% · 3.875%
HK$151,238
−HK$4,008/mo
Today · 4.125%
HK$155,246
baseline
▲ 0.50% · 4.625%
HK$163,429
+HK$8,183/mo
Deposit HK$12.44M · loan HK$29.03M · min. income ≈ HK$310,492/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,762,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,222
−HK$10,675/mo
▼ 0.25% · 3.875%
HK$175,517
−HK$5,380/mo
Today · 4.125%
HK$180,897
baseline
▲ 0.50% · 4.625%
HK$191,904
+HK$11,007/mo
Deposit HK$4.15M · loan HK$37.33M · min. income ≈ HK$361,794/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,762,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,371
−HK$10,231/mo
▼ 0.25% · 3.875%
HK$194,449
−HK$5,153/mo
Today · 4.125%
HK$199,602
baseline
▲ 0.50% · 4.625%
HK$210,123
+HK$10,521/mo
Deposit HK$4.15M · loan HK$37.33M · min. income ≈ HK$399,204/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,762,582 · Scale 2, in force from 26 Feb 2026)