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$91,631
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$94,481
−HK$2,896/mo
Today · 4.125%
HK$97,377
baseline
▲ 0.50% · 4.625%
HK$103,302
+HK$5,925/mo
Deposit HK$20.09M · loan HK$20.09M · min. income ≈ HK$194,754/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$1,707,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,938
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$104,672
−HK$2,774/mo
Today · 4.125%
HK$107,446
baseline
▲ 0.50% · 4.625%
HK$113,109
+HK$5,663/mo
Deposit HK$20.09M · loan HK$20.09M · min. income ≈ HK$214,892/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$1,707,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,957
−HK$6,895/mo
▼ 0.25% · 3.875%
HK$113,377
−HK$3,475/mo
Today · 4.125%
HK$116,852
baseline
▲ 0.50% · 4.625%
HK$123,962
+HK$7,110/mo
Deposit HK$16.07M · loan HK$24.11M · min. income ≈ HK$233,704/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,707,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,326
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$125,607
−HK$3,328/mo
Today · 4.125%
HK$128,935
baseline
▲ 0.50% · 4.625%
HK$135,731
+HK$6,796/mo
Deposit HK$16.07M · loan HK$24.11M · min. income ≈ HK$257,870/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,707,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,283
−HK$8,045/mo
▼ 0.25% · 3.875%
HK$132,273
−HK$4,055/mo
Today · 4.125%
HK$136,328
baseline
▲ 0.50% · 4.625%
HK$144,623
+HK$8,295/mo
Deposit HK$12.06M · loan HK$28.13M · min. income ≈ HK$272,656/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,707,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,714
−HK$7,710/mo
▼ 0.25% · 3.875%
HK$146,541
−HK$3,883/mo
Today · 4.125%
HK$150,424
baseline
▲ 0.50% · 4.625%
HK$158,353
+HK$7,929/mo
Deposit HK$12.06M · loan HK$28.13M · min. income ≈ HK$300,848/mo (50% DSR)
Upfront cash ≈ HK$13.76M (deposit + AVD stamp duty HK$1,707,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,935
−HK$10,343/mo
▼ 0.25% · 3.875%
HK$170,066
−HK$5,212/mo
Today · 4.125%
HK$175,278
baseline
▲ 0.50% · 4.625%
HK$185,944
+HK$10,666/mo
Deposit HK$4.02M · loan HK$36.17M · min. income ≈ HK$350,556/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,707,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,489
−HK$9,913/mo
▼ 0.25% · 3.875%
HK$188,410
−HK$4,992/mo
Today · 4.125%
HK$193,402
baseline
▲ 0.50% · 4.625%
HK$203,597
+HK$10,195/mo
Deposit HK$4.02M · loan HK$36.17M · min. income ≈ HK$386,804/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$1,707,838 · Scale 2, in force from 26 Feb 2026)