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$90,825
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$93,650
−HK$2,871/mo
Today · 4.125%
HK$96,521
baseline
▲ 0.50% · 4.625%
HK$102,394
+HK$5,873/mo
Deposit HK$19.92M · loan HK$19.92M · min. income ≈ HK$193,042/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$1,692,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,042
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$103,752
−HK$2,749/mo
Today · 4.125%
HK$106,501
baseline
▲ 0.50% · 4.625%
HK$112,115
+HK$5,614/mo
Deposit HK$19.92M · loan HK$19.92M · min. income ≈ HK$213,002/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$1,692,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,990
−HK$6,835/mo
▼ 0.25% · 3.875%
HK$112,380
−HK$3,445/mo
Today · 4.125%
HK$115,825
baseline
▲ 0.50% · 4.625%
HK$122,872
+HK$7,047/mo
Deposit HK$15.93M · loan HK$23.90M · min. income ≈ HK$231,650/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,692,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,250
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$124,502
−HK$3,299/mo
Today · 4.125%
HK$127,801
baseline
▲ 0.50% · 4.625%
HK$134,538
+HK$6,737/mo
Deposit HK$15.93M · loan HK$23.90M · min. income ≈ HK$255,602/mo (50% DSR)
Upfront cash ≈ HK$17.63M (deposit + AVD stamp duty HK$1,692,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,155
−HK$7,974/mo
▼ 0.25% · 3.875%
HK$131,110
−HK$4,019/mo
Today · 4.125%
HK$135,129
baseline
▲ 0.50% · 4.625%
HK$143,351
+HK$8,222/mo
Deposit HK$11.95M · loan HK$27.88M · min. income ≈ HK$270,258/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,459
−HK$7,642/mo
▼ 0.25% · 3.875%
HK$145,253
−HK$3,848/mo
Today · 4.125%
HK$149,101
baseline
▲ 0.50% · 4.625%
HK$156,961
+HK$7,860/mo
Deposit HK$11.95M · loan HK$27.88M · min. income ≈ HK$298,202/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,692,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,485
−HK$10,252/mo
▼ 0.25% · 3.875%
HK$168,571
−HK$5,166/mo
Today · 4.125%
HK$173,737
baseline
▲ 0.50% · 4.625%
HK$184,309
+HK$10,572/mo
Deposit HK$3.98M · loan HK$35.85M · min. income ≈ HK$347,474/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,692,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,876
−HK$9,826/mo
▼ 0.25% · 3.875%
HK$186,753
−HK$4,949/mo
Today · 4.125%
HK$191,702
baseline
▲ 0.50% · 4.625%
HK$201,807
+HK$10,105/mo
Deposit HK$3.98M · loan HK$35.85M · min. income ≈ HK$383,404/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$1,692,822 · Scale 2, in force from 26 Feb 2026)