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$90,662
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$93,482
−HK$2,865/mo
Today · 4.125%
HK$96,347
baseline
▲ 0.50% · 4.625%
HK$102,209
+HK$5,862/mo
Deposit HK$19.88M · loan HK$19.88M · min. income ≈ HK$192,694/mo (50% DSR)
Upfront cash ≈ HK$21.57M (deposit + AVD stamp duty HK$1,689,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,860
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$103,565
−HK$2,744/mo
Today · 4.125%
HK$106,309
baseline
▲ 0.50% · 4.625%
HK$111,913
+HK$5,604/mo
Deposit HK$19.88M · loan HK$19.88M · min. income ≈ HK$212,618/mo (50% DSR)
Upfront cash ≈ HK$21.57M (deposit + AVD stamp duty HK$1,689,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,794
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$112,178
−HK$3,438/mo
Today · 4.125%
HK$115,616
baseline
▲ 0.50% · 4.625%
HK$122,651
+HK$7,035/mo
Deposit HK$15.90M · loan HK$23.86M · min. income ≈ HK$231,232/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,689,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,032
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$124,278
−HK$3,293/mo
Today · 4.125%
HK$127,571
baseline
▲ 0.50% · 4.625%
HK$134,296
+HK$6,725/mo
Deposit HK$15.90M · loan HK$23.86M · min. income ≈ HK$255,142/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,689,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,926
−HK$7,960/mo
▼ 0.25% · 3.875%
HK$130,874
−HK$4,012/mo
Today · 4.125%
HK$134,886
baseline
▲ 0.50% · 4.625%
HK$143,093
+HK$8,207/mo
Deposit HK$11.93M · loan HK$27.83M · min. income ≈ HK$269,772/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,689,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,204
−HK$7,629/mo
▼ 0.25% · 3.875%
HK$144,991
−HK$3,842/mo
Today · 4.125%
HK$148,833
baseline
▲ 0.50% · 4.625%
HK$156,678
+HK$7,845/mo
Deposit HK$11.93M · loan HK$27.83M · min. income ≈ HK$297,666/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,689,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,191
−HK$10,233/mo
▼ 0.25% · 3.875%
HK$168,267
−HK$5,157/mo
Today · 4.125%
HK$173,424
baseline
▲ 0.50% · 4.625%
HK$183,977
+HK$10,553/mo
Deposit HK$3.98M · loan HK$35.78M · min. income ≈ HK$346,848/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,689,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,548
−HK$9,809/mo
▼ 0.25% · 3.875%
HK$186,417
−HK$4,940/mo
Today · 4.125%
HK$191,357
baseline
▲ 0.50% · 4.625%
HK$201,443
+HK$10,086/mo
Deposit HK$3.98M · loan HK$35.78M · min. income ≈ HK$382,714/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$1,689,775 · Scale 2, in force from 26 Feb 2026)