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$90,420
−HK$5,670/mo
▼ 0.25% · 3.875%
HK$93,232
−HK$2,858/mo
Today · 4.125%
HK$96,090
baseline
▲ 0.50% · 4.625%
HK$101,937
+HK$5,847/mo
Deposit HK$19.83M · loan HK$19.83M · min. income ≈ HK$192,180/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$1,685,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,591
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$103,289
−HK$2,737/mo
Today · 4.125%
HK$106,026
baseline
▲ 0.50% · 4.625%
HK$111,615
+HK$5,589/mo
Deposit HK$19.83M · loan HK$19.83M · min. income ≈ HK$212,052/mo (50% DSR)
Upfront cash ≈ HK$21.51M (deposit + AVD stamp duty HK$1,685,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,504
−HK$6,804/mo
▼ 0.25% · 3.875%
HK$111,879
−HK$3,429/mo
Today · 4.125%
HK$115,308
baseline
▲ 0.50% · 4.625%
HK$122,324
+HK$7,016/mo
Deposit HK$15.86M · loan HK$23.79M · min. income ≈ HK$230,616/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,685,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,709
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$123,947
−HK$3,284/mo
Today · 4.125%
HK$127,231
baseline
▲ 0.50% · 4.625%
HK$133,937
+HK$6,706/mo
Deposit HK$15.86M · loan HK$23.79M · min. income ≈ HK$254,462/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,685,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,588
−HK$7,938/mo
▼ 0.25% · 3.875%
HK$130,525
−HK$4,001/mo
Today · 4.125%
HK$134,526
baseline
▲ 0.50% · 4.625%
HK$142,712
+HK$8,186/mo
Deposit HK$11.90M · loan HK$27.76M · min. income ≈ HK$269,052/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,685,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,828
−HK$7,608/mo
▼ 0.25% · 3.875%
HK$144,605
−HK$3,831/mo
Today · 4.125%
HK$148,436
baseline
▲ 0.50% · 4.625%
HK$156,260
+HK$7,824/mo
Deposit HK$11.90M · loan HK$27.76M · min. income ≈ HK$296,872/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,685,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,756
−HK$10,206/mo
▼ 0.25% · 3.875%
HK$167,818
−HK$5,144/mo
Today · 4.125%
HK$172,962
baseline
▲ 0.50% · 4.625%
HK$183,486
+HK$10,524/mo
Deposit HK$3.97M · loan HK$35.69M · min. income ≈ HK$345,924/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,685,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,064
−HK$9,782/mo
▼ 0.25% · 3.875%
HK$185,920
−HK$4,926/mo
Today · 4.125%
HK$190,846
baseline
▲ 0.50% · 4.625%
HK$200,906
+HK$10,060/mo
Deposit HK$3.97M · loan HK$35.69M · min. income ≈ HK$381,692/mo (50% DSR)
Upfront cash ≈ HK$5.65M (deposit + AVD stamp duty HK$1,685,268 · Scale 2, in force from 26 Feb 2026)