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$88,789
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,551
−HK$2,806/mo
Today · 4.125%
HK$94,357
baseline
▲ 0.50% · 4.625%
HK$100,099
+HK$5,742/mo
Deposit HK$19.47M · loan HK$19.47M · min. income ≈ HK$188,714/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$1,654,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,777
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,426
−HK$2,688/mo
Today · 4.125%
HK$104,114
baseline
▲ 0.50% · 4.625%
HK$109,602
+HK$5,488/mo
Deposit HK$19.47M · loan HK$19.47M · min. income ≈ HK$208,228/mo (50% DSR)
Upfront cash ≈ HK$21.12M (deposit + AVD stamp duty HK$1,654,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,547
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$109,861
−HK$3,368/mo
Today · 4.125%
HK$113,229
baseline
▲ 0.50% · 4.625%
HK$120,118
+HK$6,889/mo
Deposit HK$15.58M · loan HK$23.36M · min. income ≈ HK$226,458/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,654,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,533
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$121,712
−HK$3,225/mo
Today · 4.125%
HK$124,937
baseline
▲ 0.50% · 4.625%
HK$131,522
+HK$6,585/mo
Deposit HK$15.58M · loan HK$23.36M · min. income ≈ HK$249,874/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,654,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,305
−HK$7,795/mo
▼ 0.25% · 3.875%
HK$128,172
−HK$3,928/mo
Today · 4.125%
HK$132,100
baseline
▲ 0.50% · 4.625%
HK$140,138
+HK$8,038/mo
Deposit HK$11.68M · loan HK$27.26M · min. income ≈ HK$264,200/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,654,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,288
−HK$7,471/mo
▼ 0.25% · 3.875%
HK$141,997
−HK$3,762/mo
Today · 4.125%
HK$145,759
baseline
▲ 0.50% · 4.625%
HK$153,442
+HK$7,683/mo
Deposit HK$11.68M · loan HK$27.26M · min. income ≈ HK$291,518/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,654,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,821
−HK$10,022/mo
▼ 0.25% · 3.875%
HK$164,792
−HK$5,051/mo
Today · 4.125%
HK$169,843
baseline
▲ 0.50% · 4.625%
HK$180,177
+HK$10,334/mo
Deposit HK$3.89M · loan HK$35.04M · min. income ≈ HK$339,686/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,799
−HK$9,606/mo
▼ 0.25% · 3.875%
HK$182,567
−HK$4,838/mo
Today · 4.125%
HK$187,405
baseline
▲ 0.50% · 4.625%
HK$197,283
+HK$9,878/mo
Deposit HK$3.89M · loan HK$35.04M · min. income ≈ HK$374,810/mo (50% DSR)
Upfront cash ≈ HK$5.55M (deposit + AVD stamp duty HK$1,654,877 · Scale 2, in force from 26 Feb 2026)