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$94,806
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$97,755
−HK$2,996/mo
Today · 4.125%
HK$100,751
baseline
▲ 0.50% · 4.625%
HK$106,882
+HK$6,131/mo
Deposit HK$20.79M · loan HK$20.79M · min. income ≈ HK$201,502/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$1,767,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,471
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$108,300
−HK$2,869/mo
Today · 4.125%
HK$111,169
baseline
▲ 0.50% · 4.625%
HK$117,029
+HK$5,860/mo
Deposit HK$20.79M · loan HK$20.79M · min. income ≈ HK$222,338/mo (50% DSR)
Upfront cash ≈ HK$22.56M (deposit + AVD stamp duty HK$1,767,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,768
−HK$7,134/mo
▼ 0.25% · 3.875%
HK$117,306
−HK$3,596/mo
Today · 4.125%
HK$120,902
baseline
▲ 0.50% · 4.625%
HK$128,258
+HK$7,356/mo
Deposit HK$16.63M · loan HK$24.95M · min. income ≈ HK$241,804/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,767,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,565
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$129,960
−HK$3,443/mo
Today · 4.125%
HK$133,403
baseline
▲ 0.50% · 4.625%
HK$140,435
+HK$7,032/mo
Deposit HK$16.63M · loan HK$24.95M · min. income ≈ HK$266,806/mo (50% DSR)
Upfront cash ≈ HK$18.40M (deposit + AVD stamp duty HK$1,767,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,729
−HK$8,323/mo
▼ 0.25% · 3.875%
HK$136,857
−HK$4,195/mo
Today · 4.125%
HK$141,052
baseline
▲ 0.50% · 4.625%
HK$149,635
+HK$8,583/mo
Deposit HK$12.47M · loan HK$29.10M · min. income ≈ HK$282,104/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,767,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,659
−HK$7,978/mo
▼ 0.25% · 3.875%
HK$151,620
−HK$4,017/mo
Today · 4.125%
HK$155,637
baseline
▲ 0.50% · 4.625%
HK$163,841
+HK$8,204/mo
Deposit HK$12.47M · loan HK$29.10M · min. income ≈ HK$311,274/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,767,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,651
−HK$10,702/mo
▼ 0.25% · 3.875%
HK$175,960
−HK$5,393/mo
Today · 4.125%
HK$181,353
baseline
▲ 0.50% · 4.625%
HK$192,388
+HK$11,035/mo
Deposit HK$4.16M · loan HK$37.42M · min. income ≈ HK$362,706/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,767,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,848
−HK$10,257/mo
▼ 0.25% · 3.875%
HK$194,939
−HK$5,166/mo
Today · 4.125%
HK$200,105
baseline
▲ 0.50% · 4.625%
HK$210,653
+HK$10,548/mo
Deposit HK$4.16M · loan HK$37.42M · min. income ≈ HK$400,210/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$1,767,024 · Scale 2, in force from 26 Feb 2026)