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$94,532
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$97,472
−HK$2,988/mo
Today · 4.125%
HK$100,460
baseline
▲ 0.50% · 4.625%
HK$106,572
+HK$6,112/mo
Deposit HK$20.73M · loan HK$20.73M · min. income ≈ HK$200,920/mo (50% DSR)
Upfront cash ≈ HK$22.49M (deposit + AVD stamp duty HK$1,761,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,166
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$107,986
−HK$2,861/mo
Today · 4.125%
HK$110,847
baseline
▲ 0.50% · 4.625%
HK$116,690
+HK$5,843/mo
Deposit HK$20.73M · loan HK$20.73M · min. income ≈ HK$221,694/mo (50% DSR)
Upfront cash ≈ HK$22.49M (deposit + AVD stamp duty HK$1,761,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,438
−HK$7,114/mo
▼ 0.25% · 3.875%
HK$116,967
−HK$3,585/mo
Today · 4.125%
HK$120,552
baseline
▲ 0.50% · 4.625%
HK$127,887
+HK$7,335/mo
Deposit HK$16.58M · loan HK$24.87M · min. income ≈ HK$241,104/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,199
−HK$6,818/mo
▼ 0.25% · 3.875%
HK$129,583
−HK$3,434/mo
Today · 4.125%
HK$133,017
baseline
▲ 0.50% · 4.625%
HK$140,028
+HK$7,011/mo
Deposit HK$16.58M · loan HK$24.87M · min. income ≈ HK$266,034/mo (50% DSR)
Upfront cash ≈ HK$18.34M (deposit + AVD stamp duty HK$1,761,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,344
−HK$8,299/mo
▼ 0.25% · 3.875%
HK$136,461
−HK$4,182/mo
Today · 4.125%
HK$140,643
baseline
▲ 0.50% · 4.625%
HK$149,201
+HK$8,558/mo
Deposit HK$12.44M · loan HK$29.02M · min. income ≈ HK$281,286/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,761,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,232
−HK$7,954/mo
▼ 0.25% · 3.875%
HK$151,180
−HK$4,006/mo
Today · 4.125%
HK$155,186
baseline
▲ 0.50% · 4.625%
HK$163,366
+HK$8,180/mo
Deposit HK$12.44M · loan HK$29.02M · min. income ≈ HK$310,372/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,761,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,157
−HK$10,670/mo
▼ 0.25% · 3.875%
HK$175,450
−HK$5,377/mo
Today · 4.125%
HK$180,827
baseline
▲ 0.50% · 4.625%
HK$191,830
+HK$11,003/mo
Deposit HK$4.15M · loan HK$37.31M · min. income ≈ HK$361,654/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,761,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,298
−HK$10,227/mo
▼ 0.25% · 3.875%
HK$194,375
−HK$5,150/mo
Today · 4.125%
HK$199,525
baseline
▲ 0.50% · 4.625%
HK$210,042
+HK$10,517/mo
Deposit HK$4.15M · loan HK$37.31M · min. income ≈ HK$399,050/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,761,906 · Scale 2, in force from 26 Feb 2026)