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$90,269
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$93,077
−HK$2,853/mo
Today · 4.125%
HK$95,930
baseline
▲ 0.50% · 4.625%
HK$101,767
+HK$5,837/mo
Deposit HK$19.79M · loan HK$19.79M · min. income ≈ HK$191,860/mo (50% DSR)
Upfront cash ≈ HK$21.48M (deposit + AVD stamp duty HK$1,682,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,424
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$103,117
−HK$2,732/mo
Today · 4.125%
HK$105,849
baseline
▲ 0.50% · 4.625%
HK$111,429
+HK$5,580/mo
Deposit HK$19.79M · loan HK$19.79M · min. income ≈ HK$211,698/mo (50% DSR)
Upfront cash ≈ HK$21.48M (deposit + AVD stamp duty HK$1,682,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,323
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$111,693
−HK$3,423/mo
Today · 4.125%
HK$115,116
baseline
▲ 0.50% · 4.625%
HK$122,121
+HK$7,005/mo
Deposit HK$15.83M · loan HK$23.75M · min. income ≈ HK$230,232/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,682,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,509
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$123,741
−HK$3,278/mo
Today · 4.125%
HK$127,019
baseline
▲ 0.50% · 4.625%
HK$133,715
+HK$6,696/mo
Deposit HK$15.83M · loan HK$23.75M · min. income ≈ HK$254,038/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,682,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,377
−HK$7,925/mo
▼ 0.25% · 3.875%
HK$130,308
−HK$3,994/mo
Today · 4.125%
HK$134,302
baseline
▲ 0.50% · 4.625%
HK$142,474
+HK$8,172/mo
Deposit HK$11.88M · loan HK$27.71M · min. income ≈ HK$268,604/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,682,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,593
−HK$7,596/mo
▼ 0.25% · 3.875%
HK$144,364
−HK$3,825/mo
Today · 4.125%
HK$148,189
baseline
▲ 0.50% · 4.625%
HK$156,001
+HK$7,812/mo
Deposit HK$11.88M · loan HK$27.71M · min. income ≈ HK$296,378/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,682,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,485
−HK$10,189/mo
▼ 0.25% · 3.875%
HK$167,539
−HK$5,135/mo
Today · 4.125%
HK$172,674
baseline
▲ 0.50% · 4.625%
HK$183,181
+HK$10,507/mo
Deposit HK$3.96M · loan HK$35.63M · min. income ≈ HK$345,348/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,682,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,763
−HK$9,766/mo
▼ 0.25% · 3.875%
HK$185,611
−HK$4,918/mo
Today · 4.125%
HK$190,529
baseline
▲ 0.50% · 4.625%
HK$200,572
+HK$10,043/mo
Deposit HK$3.96M · loan HK$35.63M · min. income ≈ HK$381,058/mo (50% DSR)
Upfront cash ≈ HK$5.64M (deposit + AVD stamp duty HK$1,682,466 · Scale 2, in force from 26 Feb 2026)