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$94,246
−HK$5,910/mo
▼ 0.25% · 3.875%
HK$97,178
−HK$2,978/mo
Today · 4.125%
HK$100,156
baseline
▲ 0.50% · 4.625%
HK$106,251
+HK$6,095/mo
Deposit HK$20.67M · loan HK$20.67M · min. income ≈ HK$200,312/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$1,756,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,848
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$107,660
−HK$2,853/mo
Today · 4.125%
HK$110,513
baseline
▲ 0.50% · 4.625%
HK$116,338
+HK$5,825/mo
Deposit HK$20.67M · loan HK$20.67M · min. income ≈ HK$221,026/mo (50% DSR)
Upfront cash ≈ HK$22.42M (deposit + AVD stamp duty HK$1,756,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,096
−HK$7,092/mo
▼ 0.25% · 3.875%
HK$116,613
−HK$3,575/mo
Today · 4.125%
HK$120,188
baseline
▲ 0.50% · 4.625%
HK$127,501
+HK$7,313/mo
Deposit HK$16.53M · loan HK$24.80M · min. income ≈ HK$240,376/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,756,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,818
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$129,192
−HK$3,423/mo
Today · 4.125%
HK$132,615
baseline
▲ 0.50% · 4.625%
HK$139,606
+HK$6,991/mo
Deposit HK$16.53M · loan HK$24.80M · min. income ≈ HK$265,230/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$1,756,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,945
−HK$8,274/mo
▼ 0.25% · 3.875%
HK$136,049
−HK$4,170/mo
Today · 4.125%
HK$140,219
baseline
▲ 0.50% · 4.625%
HK$148,751
+HK$8,532/mo
Deposit HK$12.40M · loan HK$28.93M · min. income ≈ HK$280,438/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,756,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,787
−HK$7,931/mo
▼ 0.25% · 3.875%
HK$150,724
−HK$3,994/mo
Today · 4.125%
HK$154,718
baseline
▲ 0.50% · 4.625%
HK$162,873
+HK$8,155/mo
Deposit HK$12.40M · loan HK$28.93M · min. income ≈ HK$309,436/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,756,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,643
−HK$10,638/mo
▼ 0.25% · 3.875%
HK$174,920
−HK$5,361/mo
Today · 4.125%
HK$180,281
baseline
▲ 0.50% · 4.625%
HK$191,251
+HK$10,970/mo
Deposit HK$4.13M · loan HK$37.20M · min. income ≈ HK$360,562/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,756,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,727
−HK$10,196/mo
▼ 0.25% · 3.875%
HK$193,788
−HK$5,135/mo
Today · 4.125%
HK$198,923
baseline
▲ 0.50% · 4.625%
HK$209,408
+HK$10,485/mo
Deposit HK$4.13M · loan HK$37.20M · min. income ≈ HK$397,846/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$1,756,587 · Scale 2, in force from 26 Feb 2026)