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$90,007
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$92,807
−HK$2,845/mo
Today · 4.125%
HK$95,652
baseline
▲ 0.50% · 4.625%
HK$101,472
+HK$5,820/mo
Deposit HK$19.74M · loan HK$19.74M · min. income ≈ HK$191,304/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,677,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,132
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$102,818
−HK$2,724/mo
Today · 4.125%
HK$105,542
baseline
▲ 0.50% · 4.625%
HK$111,105
+HK$5,563/mo
Deposit HK$19.74M · loan HK$19.74M · min. income ≈ HK$211,084/mo (50% DSR)
Upfront cash ≈ HK$21.41M (deposit + AVD stamp duty HK$1,677,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,009
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$111,369
−HK$3,413/mo
Today · 4.125%
HK$114,782
baseline
▲ 0.50% · 4.625%
HK$121,766
+HK$6,984/mo
Deposit HK$15.79M · loan HK$23.68M · min. income ≈ HK$229,564/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,677,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,159
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$123,381
−HK$3,270/mo
Today · 4.125%
HK$126,651
baseline
▲ 0.50% · 4.625%
HK$133,326
+HK$6,675/mo
Deposit HK$15.79M · loan HK$23.68M · min. income ≈ HK$253,302/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,677,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,010
−HK$7,902/mo
▼ 0.25% · 3.875%
HK$129,930
−HK$3,982/mo
Today · 4.125%
HK$133,912
baseline
▲ 0.50% · 4.625%
HK$142,060
+HK$8,148/mo
Deposit HK$11.84M · loan HK$27.63M · min. income ≈ HK$267,824/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,677,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,185
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$143,945
−HK$3,814/mo
Today · 4.125%
HK$147,759
baseline
▲ 0.50% · 4.625%
HK$155,548
+HK$7,789/mo
Deposit HK$11.84M · loan HK$27.63M · min. income ≈ HK$295,518/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,677,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,013
−HK$10,160/mo
▼ 0.25% · 3.875%
HK$167,053
−HK$5,120/mo
Today · 4.125%
HK$172,173
baseline
▲ 0.50% · 4.625%
HK$182,649
+HK$10,476/mo
Deposit HK$3.95M · loan HK$35.53M · min. income ≈ HK$344,346/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,677,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,238
−HK$9,738/mo
▼ 0.25% · 3.875%
HK$185,072
−HK$4,904/mo
Today · 4.125%
HK$189,976
baseline
▲ 0.50% · 4.625%
HK$199,990
+HK$10,014/mo
Deposit HK$3.95M · loan HK$35.53M · min. income ≈ HK$379,952/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,677,580 · Scale 2, in force from 26 Feb 2026)