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$95,291
−HK$5,976/mo
▼ 0.25% · 3.875%
HK$98,255
−HK$3,012/mo
Today · 4.125%
HK$101,267
baseline
▲ 0.50% · 4.625%
HK$107,429
+HK$6,162/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$202,534/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$1,776,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,011
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$108,854
−HK$2,884/mo
Today · 4.125%
HK$111,738
baseline
▲ 0.50% · 4.625%
HK$117,628
+HK$5,890/mo
Deposit HK$20.89M · loan HK$20.89M · min. income ≈ HK$223,476/mo (50% DSR)
Upfront cash ≈ HK$22.67M (deposit + AVD stamp duty HK$1,776,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,350
−HK$7,170/mo
▼ 0.25% · 3.875%
HK$117,907
−HK$3,613/mo
Today · 4.125%
HK$121,520
baseline
▲ 0.50% · 4.625%
HK$128,915
+HK$7,395/mo
Deposit HK$16.72M · loan HK$25.07M · min. income ≈ HK$243,040/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,776,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,213
−HK$6,873/mo
▼ 0.25% · 3.875%
HK$130,625
−HK$3,461/mo
Today · 4.125%
HK$134,086
baseline
▲ 0.50% · 4.625%
HK$141,154
+HK$7,068/mo
Deposit HK$16.72M · loan HK$25.07M · min. income ≈ HK$268,172/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$1,776,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,408
−HK$8,366/mo
▼ 0.25% · 3.875%
HK$137,558
−HK$4,216/mo
Today · 4.125%
HK$141,774
baseline
▲ 0.50% · 4.625%
HK$150,400
+HK$8,626/mo
Deposit HK$12.54M · loan HK$29.25M · min. income ≈ HK$283,548/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,776,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,415
−HK$8,018/mo
▼ 0.25% · 3.875%
HK$152,395
−HK$4,038/mo
Today · 4.125%
HK$156,433
baseline
▲ 0.50% · 4.625%
HK$164,679
+HK$8,246/mo
Deposit HK$12.54M · loan HK$29.25M · min. income ≈ HK$312,866/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,776,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,524
−HK$10,757/mo
▼ 0.25% · 3.875%
HK$176,860
−HK$5,421/mo
Today · 4.125%
HK$182,281
baseline
▲ 0.50% · 4.625%
HK$193,372
+HK$11,091/mo
Deposit HK$4.18M · loan HK$37.61M · min. income ≈ HK$364,562/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,776,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,819
−HK$10,310/mo
▼ 0.25% · 3.875%
HK$195,937
−HK$5,192/mo
Today · 4.125%
HK$201,129
baseline
▲ 0.50% · 4.625%
HK$211,730
+HK$10,601/mo
Deposit HK$4.18M · loan HK$37.61M · min. income ≈ HK$402,258/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,776,065 · Scale 2, in force from 26 Feb 2026)