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$89,791
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$92,584
−HK$2,837/mo
Today · 4.125%
HK$95,421
baseline
▲ 0.50% · 4.625%
HK$101,228
+HK$5,807/mo
Deposit HK$19.69M · loan HK$19.69M · min. income ≈ HK$190,842/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$1,673,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,891
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$102,570
−HK$2,718/mo
Today · 4.125%
HK$105,288
baseline
▲ 0.50% · 4.625%
HK$110,838
+HK$5,550/mo
Deposit HK$19.69M · loan HK$19.69M · min. income ≈ HK$210,576/mo (50% DSR)
Upfront cash ≈ HK$21.36M (deposit + AVD stamp duty HK$1,673,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,749
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$111,100
−HK$3,406/mo
Today · 4.125%
HK$114,506
baseline
▲ 0.50% · 4.625%
HK$121,473
+HK$6,967/mo
Deposit HK$15.75M · loan HK$23.63M · min. income ≈ HK$229,012/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,673,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,870
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$123,084
−HK$3,262/mo
Today · 4.125%
HK$126,346
baseline
▲ 0.50% · 4.625%
HK$133,006
+HK$6,660/mo
Deposit HK$15.75M · loan HK$23.63M · min. income ≈ HK$252,692/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,673,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,707
−HK$7,883/mo
▼ 0.25% · 3.875%
HK$129,617
−HK$3,973/mo
Today · 4.125%
HK$133,590
baseline
▲ 0.50% · 4.625%
HK$141,719
+HK$8,129/mo
Deposit HK$11.81M · loan HK$27.56M · min. income ≈ HK$267,180/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,673,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,848
−HK$7,555/mo
▼ 0.25% · 3.875%
HK$143,598
−HK$3,805/mo
Today · 4.125%
HK$147,403
baseline
▲ 0.50% · 4.625%
HK$155,173
+HK$7,770/mo
Deposit HK$11.81M · loan HK$27.56M · min. income ≈ HK$294,806/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,673,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,623
−HK$10,136/mo
▼ 0.25% · 3.875%
HK$166,651
−HK$5,108/mo
Today · 4.125%
HK$171,759
baseline
▲ 0.50% · 4.625%
HK$182,210
+HK$10,451/mo
Deposit HK$3.94M · loan HK$35.44M · min. income ≈ HK$343,518/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,673,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,804
−HK$9,715/mo
▼ 0.25% · 3.875%
HK$184,627
−HK$4,892/mo
Today · 4.125%
HK$189,519
baseline
▲ 0.50% · 4.625%
HK$199,508
+HK$9,989/mo
Deposit HK$3.94M · loan HK$35.44M · min. income ≈ HK$379,038/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$1,673,543 · Scale 2, in force from 26 Feb 2026)