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$92,531
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$95,409
−HK$2,924/mo
Today · 4.125%
HK$98,333
baseline
▲ 0.50% · 4.625%
HK$104,317
+HK$5,984/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$196,666/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,940
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,701
−HK$2,800/mo
Today · 4.125%
HK$108,501
baseline
▲ 0.50% · 4.625%
HK$114,220
+HK$5,719/mo
Deposit HK$20.29M · loan HK$20.29M · min. income ≈ HK$217,002/mo (50% DSR)
Upfront cash ≈ HK$22.01M (deposit + AVD stamp duty HK$1,724,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,037
−HK$6,963/mo
▼ 0.25% · 3.875%
HK$114,491
−HK$3,509/mo
Today · 4.125%
HK$118,000
baseline
▲ 0.50% · 4.625%
HK$125,180
+HK$7,180/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$236,000/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,528
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$126,841
−HK$3,360/mo
Today · 4.125%
HK$130,201
baseline
▲ 0.50% · 4.625%
HK$137,065
+HK$6,864/mo
Deposit HK$16.23M · loan HK$24.35M · min. income ≈ HK$260,402/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,724,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,543
−HK$8,124/mo
▼ 0.25% · 3.875%
HK$133,573
−HK$4,094/mo
Today · 4.125%
HK$137,667
baseline
▲ 0.50% · 4.625%
HK$146,043
+HK$8,376/mo
Deposit HK$12.17M · loan HK$28.41M · min. income ≈ HK$275,334/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,116
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$147,981
−HK$3,921/mo
Today · 4.125%
HK$151,902
baseline
▲ 0.50% · 4.625%
HK$159,909
+HK$8,007/mo
Deposit HK$12.17M · loan HK$28.41M · min. income ≈ HK$303,804/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,724,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,556
−HK$10,444/mo
▼ 0.25% · 3.875%
HK$171,736
−HK$5,264/mo
Today · 4.125%
HK$177,000
baseline
▲ 0.50% · 4.625%
HK$187,770
+HK$10,770/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$354,000/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,291
−HK$10,011/mo
▼ 0.25% · 3.875%
HK$190,261
−HK$5,041/mo
Today · 4.125%
HK$195,302
baseline
▲ 0.50% · 4.625%
HK$205,597
+HK$10,295/mo
Deposit HK$4.06M · loan HK$36.52M · min. income ≈ HK$390,604/mo (50% DSR)
Upfront cash ≈ HK$5.78M (deposit + AVD stamp duty HK$1,724,615 · Scale 2, in force from 26 Feb 2026)