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$95,224
−HK$5,971/mo
▼ 0.25% · 3.875%
HK$98,186
−HK$3,009/mo
Today · 4.125%
HK$101,195
baseline
▲ 0.50% · 4.625%
HK$107,352
+HK$6,157/mo
Deposit HK$20.88M · loan HK$20.88M · min. income ≈ HK$202,390/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$1,774,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,935
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$108,776
−HK$2,883/mo
Today · 4.125%
HK$111,659
baseline
▲ 0.50% · 4.625%
HK$117,544
+HK$5,885/mo
Deposit HK$20.88M · loan HK$20.88M · min. income ≈ HK$223,318/mo (50% DSR)
Upfront cash ≈ HK$22.65M (deposit + AVD stamp duty HK$1,774,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,268
−HK$7,166/mo
▼ 0.25% · 3.875%
HK$117,823
−HK$3,611/mo
Today · 4.125%
HK$121,434
baseline
▲ 0.50% · 4.625%
HK$128,823
+HK$7,389/mo
Deposit HK$16.70M · loan HK$25.06M · min. income ≈ HK$242,868/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,774,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,122
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$130,532
−HK$3,458/mo
Today · 4.125%
HK$133,990
baseline
▲ 0.50% · 4.625%
HK$141,053
+HK$7,063/mo
Deposit HK$16.70M · loan HK$25.06M · min. income ≈ HK$267,980/mo (50% DSR)
Upfront cash ≈ HK$18.48M (deposit + AVD stamp duty HK$1,774,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,313
−HK$8,360/mo
▼ 0.25% · 3.875%
HK$137,460
−HK$4,213/mo
Today · 4.125%
HK$141,673
baseline
▲ 0.50% · 4.625%
HK$150,293
+HK$8,620/mo
Deposit HK$12.53M · loan HK$29.23M · min. income ≈ HK$283,346/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,774,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,309
−HK$8,013/mo
▼ 0.25% · 3.875%
HK$152,287
−HK$4,035/mo
Today · 4.125%
HK$156,322
baseline
▲ 0.50% · 4.625%
HK$164,562
+HK$8,240/mo
Deposit HK$12.53M · loan HK$29.23M · min. income ≈ HK$312,644/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,774,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,402
−HK$10,749/mo
▼ 0.25% · 3.875%
HK$176,734
−HK$5,417/mo
Today · 4.125%
HK$182,151
baseline
▲ 0.50% · 4.625%
HK$193,234
+HK$11,083/mo
Deposit HK$4.18M · loan HK$37.58M · min. income ≈ HK$364,302/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,774,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,683
−HK$10,302/mo
▼ 0.25% · 3.875%
HK$195,797
−HK$5,188/mo
Today · 4.125%
HK$200,985
baseline
▲ 0.50% · 4.625%
HK$211,580
+HK$10,595/mo
Deposit HK$4.18M · loan HK$37.58M · min. income ≈ HK$401,970/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,774,801 · Scale 2, in force from 26 Feb 2026)