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$95,271
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$98,234
−HK$3,011/mo
Today · 4.125%
HK$101,245
baseline
▲ 0.50% · 4.625%
HK$107,406
+HK$6,161/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$202,490/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$1,775,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,988
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$108,830
−HK$2,884/mo
Today · 4.125%
HK$111,714
baseline
▲ 0.50% · 4.625%
HK$117,602
+HK$5,888/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$223,428/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$1,775,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,325
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$117,881
−HK$3,613/mo
Today · 4.125%
HK$121,494
baseline
▲ 0.50% · 4.625%
HK$128,887
+HK$7,393/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$242,988/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,185
−HK$6,872/mo
▼ 0.25% · 3.875%
HK$130,596
−HK$3,461/mo
Today · 4.125%
HK$134,057
baseline
▲ 0.50% · 4.625%
HK$141,123
+HK$7,066/mo
Deposit HK$16.71M · loan HK$25.07M · min. income ≈ HK$268,114/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,775,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,379
−HK$8,364/mo
▼ 0.25% · 3.875%
HK$137,528
−HK$4,215/mo
Today · 4.125%
HK$141,743
baseline
▲ 0.50% · 4.625%
HK$150,368
+HK$8,625/mo
Deposit HK$12.53M · loan HK$29.25M · min. income ≈ HK$283,486/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,383
−HK$8,016/mo
▼ 0.25% · 3.875%
HK$152,362
−HK$4,037/mo
Today · 4.125%
HK$156,399
baseline
▲ 0.50% · 4.625%
HK$164,643
+HK$8,244/mo
Deposit HK$12.53M · loan HK$29.25M · min. income ≈ HK$312,798/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,775,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,487
−HK$10,754/mo
▼ 0.25% · 3.875%
HK$176,821
−HK$5,420/mo
Today · 4.125%
HK$182,241
baseline
▲ 0.50% · 4.625%
HK$193,330
+HK$11,089/mo
Deposit HK$4.18M · loan HK$37.60M · min. income ≈ HK$364,482/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,778
−HK$10,307/mo
▼ 0.25% · 3.875%
HK$195,894
−HK$5,191/mo
Today · 4.125%
HK$201,085
baseline
▲ 0.50% · 4.625%
HK$211,684
+HK$10,599/mo
Deposit HK$4.18M · loan HK$37.60M · min. income ≈ HK$402,170/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$1,775,680 · Scale 2, in force from 26 Feb 2026)