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$89,908
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$92,705
−HK$2,841/mo
Today · 4.125%
HK$95,546
baseline
▲ 0.50% · 4.625%
HK$101,360
+HK$5,814/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$191,092/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,675,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,022
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$102,705
−HK$2,721/mo
Today · 4.125%
HK$105,426
baseline
▲ 0.50% · 4.625%
HK$110,983
+HK$5,557/mo
Deposit HK$19.71M · loan HK$19.71M · min. income ≈ HK$210,852/mo (50% DSR)
Upfront cash ≈ HK$21.39M (deposit + AVD stamp duty HK$1,675,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,890
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$111,246
−HK$3,410/mo
Today · 4.125%
HK$114,656
baseline
▲ 0.50% · 4.625%
HK$121,632
+HK$6,976/mo
Deposit HK$15.77M · loan HK$23.66M · min. income ≈ HK$229,312/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,675,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,026
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$123,245
−HK$3,266/mo
Today · 4.125%
HK$126,511
baseline
▲ 0.50% · 4.625%
HK$133,180
+HK$6,669/mo
Deposit HK$15.77M · loan HK$23.66M · min. income ≈ HK$253,022/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,675,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,872
−HK$7,893/mo
▼ 0.25% · 3.875%
HK$129,787
−HK$3,978/mo
Today · 4.125%
HK$133,765
baseline
▲ 0.50% · 4.625%
HK$141,904
+HK$8,139/mo
Deposit HK$11.83M · loan HK$27.60M · min. income ≈ HK$267,530/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,675,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,031
−HK$7,565/mo
▼ 0.25% · 3.875%
HK$143,786
−HK$3,810/mo
Today · 4.125%
HK$147,596
baseline
▲ 0.50% · 4.625%
HK$155,376
+HK$7,780/mo
Deposit HK$11.83M · loan HK$27.60M · min. income ≈ HK$295,192/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,675,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,835
−HK$10,148/mo
▼ 0.25% · 3.875%
HK$166,869
−HK$5,114/mo
Today · 4.125%
HK$171,983
baseline
▲ 0.50% · 4.625%
HK$182,448
+HK$10,465/mo
Deposit HK$3.94M · loan HK$35.49M · min. income ≈ HK$343,966/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,040
−HK$9,727/mo
▼ 0.25% · 3.875%
HK$184,868
−HK$4,899/mo
Today · 4.125%
HK$189,767
baseline
▲ 0.50% · 4.625%
HK$199,769
+HK$10,002/mo
Deposit HK$3.94M · loan HK$35.49M · min. income ≈ HK$379,534/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$1,675,733 · Scale 2, in force from 26 Feb 2026)