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$94,917
−HK$5,952/mo
▼ 0.25% · 3.875%
HK$97,869
−HK$3,000/mo
Today · 4.125%
HK$100,869
baseline
▲ 0.50% · 4.625%
HK$107,006
+HK$6,137/mo
Deposit HK$20.81M · loan HK$20.81M · min. income ≈ HK$201,738/mo (50% DSR)
Upfront cash ≈ HK$22.58M (deposit + AVD stamp duty HK$1,769,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,594
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$108,426
−HK$2,873/mo
Today · 4.125%
HK$111,299
baseline
▲ 0.50% · 4.625%
HK$117,165
+HK$5,866/mo
Deposit HK$20.81M · loan HK$20.81M · min. income ≈ HK$222,598/mo (50% DSR)
Upfront cash ≈ HK$22.58M (deposit + AVD stamp duty HK$1,769,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,900
−HK$7,142/mo
▼ 0.25% · 3.875%
HK$117,443
−HK$3,599/mo
Today · 4.125%
HK$121,042
baseline
▲ 0.50% · 4.625%
HK$128,408
+HK$7,366/mo
Deposit HK$16.65M · loan HK$24.98M · min. income ≈ HK$242,084/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,769,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,712
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$130,111
−HK$3,447/mo
Today · 4.125%
HK$133,558
baseline
▲ 0.50% · 4.625%
HK$140,598
+HK$7,040/mo
Deposit HK$16.65M · loan HK$24.98M · min. income ≈ HK$267,116/mo (50% DSR)
Upfront cash ≈ HK$18.42M (deposit + AVD stamp duty HK$1,769,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,883
−HK$8,333/mo
▼ 0.25% · 3.875%
HK$137,017
−HK$4,199/mo
Today · 4.125%
HK$141,216
baseline
▲ 0.50% · 4.625%
HK$149,809
+HK$8,593/mo
Deposit HK$12.49M · loan HK$29.14M · min. income ≈ HK$282,432/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,769,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,831
−HK$7,987/mo
▼ 0.25% · 3.875%
HK$151,796
−HK$4,022/mo
Today · 4.125%
HK$155,818
baseline
▲ 0.50% · 4.625%
HK$164,031
+HK$8,213/mo
Deposit HK$12.49M · loan HK$29.14M · min. income ≈ HK$311,636/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,769,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,850
−HK$10,714/mo
▼ 0.25% · 3.875%
HK$176,164
−HK$5,400/mo
Today · 4.125%
HK$181,564
baseline
▲ 0.50% · 4.625%
HK$192,611
+HK$11,047/mo
Deposit HK$4.16M · loan HK$37.46M · min. income ≈ HK$363,128/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,769,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,069
−HK$10,269/mo
▼ 0.25% · 3.875%
HK$195,166
−HK$5,172/mo
Today · 4.125%
HK$200,338
baseline
▲ 0.50% · 4.625%
HK$210,898
+HK$10,560/mo
Deposit HK$4.16M · loan HK$37.46M · min. income ≈ HK$400,676/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$1,769,080 · Scale 2, in force from 26 Feb 2026)