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$90,163
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$92,968
−HK$2,849/mo
Today · 4.125%
HK$95,817
baseline
▲ 0.50% · 4.625%
HK$101,647
+HK$5,830/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$191,634/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$1,680,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,305
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$102,996
−HK$2,729/mo
Today · 4.125%
HK$105,725
baseline
▲ 0.50% · 4.625%
HK$111,298
+HK$5,573/mo
Deposit HK$19.77M · loan HK$19.77M · min. income ≈ HK$211,450/mo (50% DSR)
Upfront cash ≈ HK$21.45M (deposit + AVD stamp duty HK$1,680,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,196
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$111,561
−HK$3,419/mo
Today · 4.125%
HK$114,980
baseline
▲ 0.50% · 4.625%
HK$121,977
+HK$6,997/mo
Deposit HK$15.82M · loan HK$23.72M · min. income ≈ HK$229,960/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,367
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$123,595
−HK$3,275/mo
Today · 4.125%
HK$126,870
baseline
▲ 0.50% · 4.625%
HK$133,557
+HK$6,687/mo
Deposit HK$15.82M · loan HK$23.72M · min. income ≈ HK$253,740/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,680,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,228
−HK$7,916/mo
▼ 0.25% · 3.875%
HK$130,155
−HK$3,989/mo
Today · 4.125%
HK$134,144
baseline
▲ 0.50% · 4.625%
HK$142,306
+HK$8,162/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$268,288/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,680,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,428
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$144,194
−HK$3,821/mo
Today · 4.125%
HK$148,015
baseline
▲ 0.50% · 4.625%
HK$155,817
+HK$7,802/mo
Deposit HK$11.86M · loan HK$27.68M · min. income ≈ HK$296,030/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,680,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,293
−HK$10,178/mo
▼ 0.25% · 3.875%
HK$167,342
−HK$5,129/mo
Today · 4.125%
HK$172,471
baseline
▲ 0.50% · 4.625%
HK$182,965
+HK$10,494/mo
Deposit HK$3.95M · loan HK$35.59M · min. income ≈ HK$344,942/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,680,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,550
−HK$9,754/mo
▼ 0.25% · 3.875%
HK$185,392
−HK$4,912/mo
Today · 4.125%
HK$190,304
baseline
▲ 0.50% · 4.625%
HK$200,336
+HK$10,032/mo
Deposit HK$3.95M · loan HK$35.59M · min. income ≈ HK$380,608/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$1,680,482 · Scale 2, in force from 26 Feb 2026)