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$89,903
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$92,699
−HK$2,842/mo
Today · 4.125%
HK$95,541
baseline
▲ 0.50% · 4.625%
HK$101,354
+HK$5,813/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$191,082/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,675,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,016
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$102,698
−HK$2,722/mo
Today · 4.125%
HK$105,420
baseline
▲ 0.50% · 4.625%
HK$110,976
+HK$5,556/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$210,840/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,675,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,884
−HK$6,765/mo
▼ 0.25% · 3.875%
HK$111,239
−HK$3,410/mo
Today · 4.125%
HK$114,649
baseline
▲ 0.50% · 4.625%
HK$121,625
+HK$6,976/mo
Deposit HK$15.77M · loan HK$23.66M · min. income ≈ HK$229,298/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,675,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,019
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$123,238
−HK$3,266/mo
Today · 4.125%
HK$126,504
baseline
▲ 0.50% · 4.625%
HK$133,172
+HK$6,668/mo
Deposit HK$15.77M · loan HK$23.66M · min. income ≈ HK$253,008/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,675,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,864
−HK$7,893/mo
▼ 0.25% · 3.875%
HK$129,779
−HK$3,978/mo
Today · 4.125%
HK$133,757
baseline
▲ 0.50% · 4.625%
HK$141,896
+HK$8,139/mo
Deposit HK$11.83M · loan HK$27.60M · min. income ≈ HK$267,514/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,675,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,023
−HK$7,565/mo
▼ 0.25% · 3.875%
HK$143,778
−HK$3,810/mo
Today · 4.125%
HK$147,588
baseline
▲ 0.50% · 4.625%
HK$155,367
+HK$7,779/mo
Deposit HK$11.83M · loan HK$27.60M · min. income ≈ HK$295,176/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,675,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,825
−HK$10,148/mo
▼ 0.25% · 3.875%
HK$166,859
−HK$5,114/mo
Today · 4.125%
HK$171,973
baseline
▲ 0.50% · 4.625%
HK$182,437
+HK$10,464/mo
Deposit HK$3.94M · loan HK$35.48M · min. income ≈ HK$343,946/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,029
−HK$9,726/mo
▼ 0.25% · 3.875%
HK$184,857
−HK$4,898/mo
Today · 4.125%
HK$189,755
baseline
▲ 0.50% · 4.625%
HK$199,758
+HK$10,003/mo
Deposit HK$3.94M · loan HK$35.48M · min. income ≈ HK$379,510/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,634 · Scale 2, in force from 26 Feb 2026)