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$95,990
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$98,975
−HK$3,034/mo
Today · 4.125%
HK$102,009
baseline
▲ 0.50% · 4.625%
HK$108,216
+HK$6,207/mo
Deposit HK$21.05M · loan HK$21.05M · min. income ≈ HK$204,018/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$1,789,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,787
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$109,651
−HK$2,906/mo
Today · 4.125%
HK$112,557
baseline
▲ 0.50% · 4.625%
HK$118,490
+HK$5,933/mo
Deposit HK$21.05M · loan HK$21.05M · min. income ≈ HK$225,114/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$1,789,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,188
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$118,771
−HK$3,640/mo
Today · 4.125%
HK$122,411
baseline
▲ 0.50% · 4.625%
HK$129,859
+HK$7,448/mo
Deposit HK$16.84M · loan HK$25.26M · min. income ≈ HK$244,822/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,789,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,145
−HK$6,923/mo
▼ 0.25% · 3.875%
HK$131,582
−HK$3,486/mo
Today · 4.125%
HK$135,068
baseline
▲ 0.50% · 4.625%
HK$142,188
+HK$7,120/mo
Deposit HK$16.84M · loan HK$25.26M · min. income ≈ HK$270,136/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,789,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,385
−HK$8,428/mo
▼ 0.25% · 3.875%
HK$138,566
−HK$4,247/mo
Today · 4.125%
HK$142,813
baseline
▲ 0.50% · 4.625%
HK$151,502
+HK$8,689/mo
Deposit HK$12.63M · loan HK$29.47M · min. income ≈ HK$285,626/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,789,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,502
−HK$8,078/mo
▼ 0.25% · 3.875%
HK$153,512
−HK$4,068/mo
Today · 4.125%
HK$157,580
baseline
▲ 0.50% · 4.625%
HK$165,886
+HK$8,306/mo
Deposit HK$12.63M · loan HK$29.47M · min. income ≈ HK$315,160/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,789,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,781
−HK$10,835/mo
▼ 0.25% · 3.875%
HK$178,156
−HK$5,460/mo
Today · 4.125%
HK$183,616
baseline
▲ 0.50% · 4.625%
HK$194,789
+HK$11,173/mo
Deposit HK$4.21M · loan HK$37.89M · min. income ≈ HK$367,232/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,789,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,217
−HK$10,385/mo
▼ 0.25% · 3.875%
HK$197,373
−HK$5,229/mo
Today · 4.125%
HK$202,602
baseline
▲ 0.50% · 4.625%
HK$213,282
+HK$10,680/mo
Deposit HK$4.21M · loan HK$37.89M · min. income ≈ HK$405,204/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,789,079 · Scale 2, in force from 26 Feb 2026)