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$94,586
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$97,528
−HK$2,989/mo
Today · 4.125%
HK$100,517
baseline
▲ 0.50% · 4.625%
HK$106,634
+HK$6,117/mo
Deposit HK$20.74M · loan HK$20.74M · min. income ≈ HK$201,034/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$1,762,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,226
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,048
−HK$2,863/mo
Today · 4.125%
HK$110,911
baseline
▲ 0.50% · 4.625%
HK$116,757
+HK$5,846/mo
Deposit HK$20.74M · loan HK$20.74M · min. income ≈ HK$221,822/mo (50% DSR)
Upfront cash ≈ HK$22.50M (deposit + AVD stamp duty HK$1,762,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,503
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$117,034
−HK$3,587/mo
Today · 4.125%
HK$120,621
baseline
▲ 0.50% · 4.625%
HK$127,960
+HK$7,339/mo
Deposit HK$16.59M · loan HK$24.89M · min. income ≈ HK$241,242/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,762,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,271
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$129,658
−HK$3,435/mo
Today · 4.125%
HK$133,093
baseline
▲ 0.50% · 4.625%
HK$140,109
+HK$7,016/mo
Deposit HK$16.59M · loan HK$24.89M · min. income ≈ HK$266,186/mo (50% DSR)
Upfront cash ≈ HK$18.36M (deposit + AVD stamp duty HK$1,762,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,420
−HK$8,304/mo
▼ 0.25% · 3.875%
HK$136,539
−HK$4,185/mo
Today · 4.125%
HK$140,724
baseline
▲ 0.50% · 4.625%
HK$149,287
+HK$8,563/mo
Deposit HK$12.44M · loan HK$29.04M · min. income ≈ HK$281,448/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,762,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,316
−HK$7,959/mo
▼ 0.25% · 3.875%
HK$151,267
−HK$4,008/mo
Today · 4.125%
HK$155,275
baseline
▲ 0.50% · 4.625%
HK$163,460
+HK$8,185/mo
Deposit HK$12.44M · loan HK$29.04M · min. income ≈ HK$310,550/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,762,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,255
−HK$10,676/mo
▼ 0.25% · 3.875%
HK$175,551
−HK$5,380/mo
Today · 4.125%
HK$180,931
baseline
▲ 0.50% · 4.625%
HK$191,940
+HK$11,009/mo
Deposit HK$4.15M · loan HK$37.33M · min. income ≈ HK$361,862/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,762,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,407
−HK$10,233/mo
▼ 0.25% · 3.875%
HK$194,486
−HK$5,154/mo
Today · 4.125%
HK$199,640
baseline
▲ 0.50% · 4.625%
HK$210,163
+HK$10,523/mo
Deposit HK$4.15M · loan HK$37.33M · min. income ≈ HK$399,280/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$1,762,917 · Scale 2, in force from 26 Feb 2026)