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$93,062
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$95,956
−HK$2,941/mo
Today · 4.125%
HK$98,897
baseline
▲ 0.50% · 4.625%
HK$104,915
+HK$6,018/mo
Deposit HK$20.41M · loan HK$20.41M · min. income ≈ HK$197,794/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$1,734,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,530
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$106,307
−HK$2,817/mo
Today · 4.125%
HK$109,124
baseline
▲ 0.50% · 4.625%
HK$114,876
+HK$5,752/mo
Deposit HK$20.41M · loan HK$20.41M · min. income ≈ HK$218,248/mo (50% DSR)
Upfront cash ≈ HK$22.14M (deposit + AVD stamp duty HK$1,734,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,674
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$115,148
−HK$3,529/mo
Today · 4.125%
HK$118,677
baseline
▲ 0.50% · 4.625%
HK$125,898
+HK$7,221/mo
Deposit HK$16.32M · loan HK$24.49M · min. income ≈ HK$237,354/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,734,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,236
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$127,568
−HK$3,380/mo
Today · 4.125%
HK$130,948
baseline
▲ 0.50% · 4.625%
HK$137,851
+HK$6,903/mo
Deposit HK$16.32M · loan HK$24.49M · min. income ≈ HK$261,896/mo (50% DSR)
Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$1,734,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,286
−HK$8,170/mo
▼ 0.25% · 3.875%
HK$134,339
−HK$4,117/mo
Today · 4.125%
HK$138,456
baseline
▲ 0.50% · 4.625%
HK$146,881
+HK$8,425/mo
Deposit HK$12.24M · loan HK$28.57M · min. income ≈ HK$276,912/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,734,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,942
−HK$7,831/mo
▼ 0.25% · 3.875%
HK$148,829
−HK$3,944/mo
Today · 4.125%
HK$152,773
baseline
▲ 0.50% · 4.625%
HK$160,826
+HK$8,053/mo
Deposit HK$12.24M · loan HK$28.57M · min. income ≈ HK$305,546/mo (50% DSR)
Upfront cash ≈ HK$13.98M (deposit + AVD stamp duty HK$1,734,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,511
−HK$10,504/mo
▼ 0.25% · 3.875%
HK$172,721
−HK$5,294/mo
Today · 4.125%
HK$178,015
baseline
▲ 0.50% · 4.625%
HK$188,847
+HK$10,832/mo
Deposit HK$4.08M · loan HK$36.73M · min. income ≈ HK$356,030/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,734,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,354
−HK$10,068/mo
▼ 0.25% · 3.875%
HK$191,352
−HK$5,070/mo
Today · 4.125%
HK$196,422
baseline
▲ 0.50% · 4.625%
HK$206,776
+HK$10,354/mo
Deposit HK$4.08M · loan HK$36.73M · min. income ≈ HK$392,844/mo (50% DSR)
Upfront cash ≈ HK$5.82M (deposit + AVD stamp duty HK$1,734,507 · Scale 2, in force from 26 Feb 2026)