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$95,173
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$98,133
−HK$3,008/mo
Today · 4.125%
HK$101,141
baseline
▲ 0.50% · 4.625%
HK$107,295
+HK$6,154/mo
Deposit HK$20.87M · loan HK$20.87M · min. income ≈ HK$202,282/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$1,773,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,879
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$108,719
−HK$2,880/mo
Today · 4.125%
HK$111,599
baseline
▲ 0.50% · 4.625%
HK$117,482
+HK$5,883/mo
Deposit HK$20.87M · loan HK$20.87M · min. income ≈ HK$223,198/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$1,773,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,208
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$117,760
−HK$3,609/mo
Today · 4.125%
HK$121,369
baseline
▲ 0.50% · 4.625%
HK$128,754
+HK$7,385/mo
Deposit HK$16.70M · loan HK$25.04M · min. income ≈ HK$242,738/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,773,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,055
−HK$6,864/mo
▼ 0.25% · 3.875%
HK$130,462
−HK$3,457/mo
Today · 4.125%
HK$133,919
baseline
▲ 0.50% · 4.625%
HK$140,978
+HK$7,059/mo
Deposit HK$16.70M · loan HK$25.04M · min. income ≈ HK$267,838/mo (50% DSR)
Upfront cash ≈ HK$18.47M (deposit + AVD stamp duty HK$1,773,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,242
−HK$8,356/mo
▼ 0.25% · 3.875%
HK$137,387
−HK$4,211/mo
Today · 4.125%
HK$141,598
baseline
▲ 0.50% · 4.625%
HK$150,213
+HK$8,615/mo
Deposit HK$12.52M · loan HK$29.22M · min. income ≈ HK$283,196/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,773,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,231
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$152,206
−HK$4,033/mo
Today · 4.125%
HK$156,239
baseline
▲ 0.50% · 4.625%
HK$164,475
+HK$8,236/mo
Deposit HK$12.52M · loan HK$29.22M · min. income ≈ HK$312,478/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,773,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,311
−HK$10,743/mo
▼ 0.25% · 3.875%
HK$176,640
−HK$5,414/mo
Today · 4.125%
HK$182,054
baseline
▲ 0.50% · 4.625%
HK$193,132
+HK$11,078/mo
Deposit HK$4.17M · loan HK$37.56M · min. income ≈ HK$364,108/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,773,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,582
−HK$10,297/mo
▼ 0.25% · 3.875%
HK$195,693
−HK$5,186/mo
Today · 4.125%
HK$200,879
baseline
▲ 0.50% · 4.625%
HK$211,467
+HK$10,588/mo
Deposit HK$4.17M · loan HK$37.56M · min. income ≈ HK$401,758/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,773,858 · Scale 2, in force from 26 Feb 2026)