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$88,766
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,527
−HK$2,805/mo
Today · 4.125%
HK$94,332
baseline
▲ 0.50% · 4.625%
HK$100,072
+HK$5,740/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$188,664/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$1,654,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,751
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,400
−HK$2,686/mo
Today · 4.125%
HK$104,086
baseline
▲ 0.50% · 4.625%
HK$109,573
+HK$5,487/mo
Deposit HK$19.46M · loan HK$19.46M · min. income ≈ HK$208,172/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$1,654,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,519
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$109,832
−HK$3,367/mo
Today · 4.125%
HK$113,199
baseline
▲ 0.50% · 4.625%
HK$120,087
+HK$6,888/mo
Deposit HK$15.57M · loan HK$23.36M · min. income ≈ HK$226,398/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,654,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,501
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$121,680
−HK$3,224/mo
Today · 4.125%
HK$124,904
baseline
▲ 0.50% · 4.625%
HK$131,488
+HK$6,584/mo
Deposit HK$15.57M · loan HK$23.36M · min. income ≈ HK$249,808/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,654,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,272
−HK$7,793/mo
▼ 0.25% · 3.875%
HK$128,138
−HK$3,927/mo
Today · 4.125%
HK$132,065
baseline
▲ 0.50% · 4.625%
HK$140,101
+HK$8,036/mo
Deposit HK$11.68M · loan HK$27.25M · min. income ≈ HK$264,130/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,654,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,252
−HK$7,469/mo
▼ 0.25% · 3.875%
HK$141,960
−HK$3,761/mo
Today · 4.125%
HK$145,721
baseline
▲ 0.50% · 4.625%
HK$153,402
+HK$7,681/mo
Deposit HK$11.68M · loan HK$27.25M · min. income ≈ HK$291,442/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,654,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,779
−HK$10,019/mo
▼ 0.25% · 3.875%
HK$164,749
−HK$5,049/mo
Today · 4.125%
HK$169,798
baseline
▲ 0.50% · 4.625%
HK$180,130
+HK$10,332/mo
Deposit HK$3.89M · loan HK$35.04M · min. income ≈ HK$339,596/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,752
−HK$9,604/mo
▼ 0.25% · 3.875%
HK$182,519
−HK$4,837/mo
Today · 4.125%
HK$187,356
baseline
▲ 0.50% · 4.625%
HK$197,231
+HK$9,875/mo
Deposit HK$3.89M · loan HK$35.04M · min. income ≈ HK$374,712/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,442 · Scale 2, in force from 26 Feb 2026)