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$90,287
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$93,096
−HK$2,853/mo
Today · 4.125%
HK$95,949
baseline
▲ 0.50% · 4.625%
HK$101,787
+HK$5,838/mo
Deposit HK$19.80M · loan HK$19.80M · min. income ≈ HK$191,898/mo (50% DSR)
Upfront cash ≈ HK$21.48M (deposit + AVD stamp duty HK$1,682,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,444
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$103,137
−HK$2,733/mo
Today · 4.125%
HK$105,870
baseline
▲ 0.50% · 4.625%
HK$111,451
+HK$5,581/mo
Deposit HK$19.80M · loan HK$19.80M · min. income ≈ HK$211,740/mo (50% DSR)
Upfront cash ≈ HK$21.48M (deposit + AVD stamp duty HK$1,682,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,345
−HK$6,794/mo
▼ 0.25% · 3.875%
HK$111,715
−HK$3,424/mo
Today · 4.125%
HK$115,139
baseline
▲ 0.50% · 4.625%
HK$122,145
+HK$7,006/mo
Deposit HK$15.84M · loan HK$23.76M · min. income ≈ HK$230,278/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,682,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,532
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$123,765
−HK$3,279/mo
Today · 4.125%
HK$127,044
baseline
▲ 0.50% · 4.625%
HK$133,741
+HK$6,697/mo
Deposit HK$15.84M · loan HK$23.76M · min. income ≈ HK$254,088/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,682,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,402
−HK$7,927/mo
▼ 0.25% · 3.875%
HK$130,334
−HK$3,995/mo
Today · 4.125%
HK$134,329
baseline
▲ 0.50% · 4.625%
HK$142,502
+HK$8,173/mo
Deposit HK$11.88M · loan HK$27.72M · min. income ≈ HK$268,658/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,682,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,621
−HK$7,597/mo
▼ 0.25% · 3.875%
HK$144,392
−HK$3,826/mo
Today · 4.125%
HK$148,218
baseline
▲ 0.50% · 4.625%
HK$156,031
+HK$7,813/mo
Deposit HK$11.88M · loan HK$27.72M · min. income ≈ HK$296,436/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,682,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,517
−HK$10,191/mo
▼ 0.25% · 3.875%
HK$167,572
−HK$5,136/mo
Today · 4.125%
HK$172,708
baseline
▲ 0.50% · 4.625%
HK$183,217
+HK$10,509/mo
Deposit HK$3.96M · loan HK$35.64M · min. income ≈ HK$345,416/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,682,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,798
−HK$9,768/mo
▼ 0.25% · 3.875%
HK$185,647
−HK$4,919/mo
Today · 4.125%
HK$190,566
baseline
▲ 0.50% · 4.625%
HK$200,611
+HK$10,045/mo
Deposit HK$3.96M · loan HK$35.64M · min. income ≈ HK$381,132/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,682,796 · Scale 2, in force from 26 Feb 2026)