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$94,119
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$97,047
−HK$2,974/mo
Today · 4.125%
HK$100,021
baseline
▲ 0.50% · 4.625%
HK$106,108
+HK$6,087/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$200,042/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$1,754,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,707
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$107,515
−HK$2,849/mo
Today · 4.125%
HK$110,364
baseline
▲ 0.50% · 4.625%
HK$116,181
+HK$5,817/mo
Deposit HK$20.64M · loan HK$20.64M · min. income ≈ HK$220,728/mo (50% DSR)
Upfront cash ≈ HK$22.39M (deposit + AVD stamp duty HK$1,754,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,943
−HK$7,083/mo
▼ 0.25% · 3.875%
HK$116,456
−HK$3,570/mo
Today · 4.125%
HK$120,026
baseline
▲ 0.50% · 4.625%
HK$127,329
+HK$7,303/mo
Deposit HK$16.51M · loan HK$24.77M · min. income ≈ HK$240,052/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,754,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,648
−HK$6,789/mo
▼ 0.25% · 3.875%
HK$129,018
−HK$3,419/mo
Today · 4.125%
HK$132,437
baseline
▲ 0.50% · 4.625%
HK$139,417
+HK$6,980/mo
Deposit HK$16.51M · loan HK$24.77M · min. income ≈ HK$264,874/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$1,754,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,767
−HK$8,263/mo
▼ 0.25% · 3.875%
HK$135,866
−HK$4,164/mo
Today · 4.125%
HK$140,030
baseline
▲ 0.50% · 4.625%
HK$148,551
+HK$8,521/mo
Deposit HK$12.38M · loan HK$28.89M · min. income ≈ HK$280,060/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,590
−HK$7,919/mo
▼ 0.25% · 3.875%
HK$150,521
−HK$3,988/mo
Today · 4.125%
HK$154,509
baseline
▲ 0.50% · 4.625%
HK$162,654
+HK$8,145/mo
Deposit HK$12.38M · loan HK$28.89M · min. income ≈ HK$309,018/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,754,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,415
−HK$10,624/mo
▼ 0.25% · 3.875%
HK$174,685
−HK$5,354/mo
Today · 4.125%
HK$180,039
baseline
▲ 0.50% · 4.625%
HK$190,994
+HK$10,955/mo
Deposit HK$4.13M · loan HK$37.15M · min. income ≈ HK$360,078/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,472
−HK$10,183/mo
▼ 0.25% · 3.875%
HK$193,527
−HK$5,128/mo
Today · 4.125%
HK$198,655
baseline
▲ 0.50% · 4.625%
HK$209,126
+HK$10,471/mo
Deposit HK$4.13M · loan HK$37.15M · min. income ≈ HK$397,310/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$1,754,221 · Scale 2, in force from 26 Feb 2026)