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$103,084
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$106,291
−HK$3,258/mo
Today · 4.125%
HK$109,549
baseline
▲ 0.50% · 4.625%
HK$116,214
+HK$6,665/mo
Deposit HK$22.60M · loan HK$22.60M · min. income ≈ HK$219,098/mo (50% DSR)
Upfront cash ≈ HK$24.52M (deposit + AVD stamp duty HK$1,921,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,680
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$117,756
−HK$3,120/mo
Today · 4.125%
HK$120,876
baseline
▲ 0.50% · 4.625%
HK$127,248
+HK$6,372/mo
Deposit HK$22.60M · loan HK$22.60M · min. income ≈ HK$241,752/mo (50% DSR)
Upfront cash ≈ HK$24.52M (deposit + AVD stamp duty HK$1,921,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,701
−HK$7,757/mo
▼ 0.25% · 3.875%
HK$127,549
−HK$3,909/mo
Today · 4.125%
HK$131,458
baseline
▲ 0.50% · 4.625%
HK$139,457
+HK$7,999/mo
Deposit HK$18.08M · loan HK$27.12M · min. income ≈ HK$262,916/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,921,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,616
−HK$7,435/mo
▼ 0.25% · 3.875%
HK$141,307
−HK$3,744/mo
Today · 4.125%
HK$145,051
baseline
▲ 0.50% · 4.625%
HK$152,697
+HK$7,646/mo
Deposit HK$18.08M · loan HK$27.12M · min. income ≈ HK$290,102/mo (50% DSR)
Upfront cash ≈ HK$20.00M (deposit + AVD stamp duty HK$1,921,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,318
−HK$9,050/mo
▼ 0.25% · 3.875%
HK$148,807
−HK$4,561/mo
Today · 4.125%
HK$153,368
baseline
▲ 0.50% · 4.625%
HK$162,700
+HK$9,332/mo
Deposit HK$13.56M · loan HK$31.65M · min. income ≈ HK$306,736/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,921,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,552
−HK$8,675/mo
▼ 0.25% · 3.875%
HK$164,858
−HK$4,369/mo
Today · 4.125%
HK$169,227
baseline
▲ 0.50% · 4.625%
HK$178,147
+HK$8,920/mo
Deposit HK$13.56M · loan HK$31.65M · min. income ≈ HK$338,454/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,921,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,552
−HK$11,636/mo
▼ 0.25% · 3.875%
HK$191,324
−HK$5,864/mo
Today · 4.125%
HK$197,188
baseline
▲ 0.50% · 4.625%
HK$209,186
+HK$11,998/mo
Deposit HK$4.52M · loan HK$40.69M · min. income ≈ HK$394,376/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,921,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,425
−HK$11,152/mo
▼ 0.25% · 3.875%
HK$211,961
−HK$5,616/mo
Today · 4.125%
HK$217,577
baseline
▲ 0.50% · 4.625%
HK$229,046
+HK$11,469/mo
Deposit HK$4.52M · loan HK$40.69M · min. income ≈ HK$435,154/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,921,313 · Scale 2, in force from 26 Feb 2026)