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$90,302
−HK$5,663/mo
▼ 0.25% · 3.875%
HK$93,111
−HK$2,854/mo
Today · 4.125%
HK$95,965
baseline
▲ 0.50% · 4.625%
HK$101,804
+HK$5,839/mo
Deposit HK$19.80M · loan HK$19.80M · min. income ≈ HK$191,930/mo (50% DSR)
Upfront cash ≈ HK$21.48M (deposit + AVD stamp duty HK$1,683,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,460
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$103,154
−HK$2,734/mo
Today · 4.125%
HK$105,888
baseline
▲ 0.50% · 4.625%
HK$111,469
+HK$5,581/mo
Deposit HK$19.80M · loan HK$19.80M · min. income ≈ HK$211,776/mo (50% DSR)
Upfront cash ≈ HK$21.48M (deposit + AVD stamp duty HK$1,683,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,362
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$111,733
−HK$3,425/mo
Today · 4.125%
HK$115,158
baseline
▲ 0.50% · 4.625%
HK$122,165
+HK$7,007/mo
Deposit HK$15.84M · loan HK$23.76M · min. income ≈ HK$230,316/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,683,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,552
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$123,785
−HK$3,280/mo
Today · 4.125%
HK$127,065
baseline
▲ 0.50% · 4.625%
HK$133,763
+HK$6,698/mo
Deposit HK$15.84M · loan HK$23.76M · min. income ≈ HK$254,130/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,683,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,423
−HK$7,928/mo
▼ 0.25% · 3.875%
HK$130,355
−HK$3,996/mo
Today · 4.125%
HK$134,351
baseline
▲ 0.50% · 4.625%
HK$142,526
+HK$8,175/mo
Deposit HK$11.88M · loan HK$27.72M · min. income ≈ HK$268,702/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,683,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,644
−HK$7,599/mo
▼ 0.25% · 3.875%
HK$144,416
−HK$3,827/mo
Today · 4.125%
HK$148,243
baseline
▲ 0.50% · 4.625%
HK$156,057
+HK$7,814/mo
Deposit HK$11.88M · loan HK$27.72M · min. income ≈ HK$296,486/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,683,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,544
−HK$10,193/mo
▼ 0.25% · 3.875%
HK$167,600
−HK$5,137/mo
Today · 4.125%
HK$172,737
baseline
▲ 0.50% · 4.625%
HK$183,247
+HK$10,510/mo
Deposit HK$3.96M · loan HK$35.64M · min. income ≈ HK$345,474/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,683,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,828
−HK$9,770/mo
▼ 0.25% · 3.875%
HK$185,678
−HK$4,920/mo
Today · 4.125%
HK$190,598
baseline
▲ 0.50% · 4.625%
HK$200,644
+HK$10,046/mo
Deposit HK$3.96M · loan HK$35.64M · min. income ≈ HK$381,196/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,683,072 · Scale 2, in force from 26 Feb 2026)