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$100,511
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$103,637
−HK$3,177/mo
Today · 4.125%
HK$106,814
baseline
▲ 0.50% · 4.625%
HK$113,313
+HK$6,499/mo
Deposit HK$22.04M · loan HK$22.04M · min. income ≈ HK$213,628/mo (50% DSR)
Upfront cash ≈ HK$23.91M (deposit + AVD stamp duty HK$1,873,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,817
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$114,816
−HK$3,043/mo
Today · 4.125%
HK$117,859
baseline
▲ 0.50% · 4.625%
HK$124,071
+HK$6,212/mo
Deposit HK$22.04M · loan HK$22.04M · min. income ≈ HK$235,718/mo (50% DSR)
Upfront cash ≈ HK$23.91M (deposit + AVD stamp duty HK$1,873,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,613
−HK$7,564/mo
▼ 0.25% · 3.875%
HK$124,365
−HK$3,812/mo
Today · 4.125%
HK$128,177
baseline
▲ 0.50% · 4.625%
HK$135,976
+HK$7,799/mo
Deposit HK$17.63M · loan HK$26.45M · min. income ≈ HK$256,354/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,873,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,181
−HK$7,249/mo
▼ 0.25% · 3.875%
HK$137,780
−HK$3,650/mo
Today · 4.125%
HK$141,430
baseline
▲ 0.50% · 4.625%
HK$148,885
+HK$7,455/mo
Deposit HK$17.63M · loan HK$26.45M · min. income ≈ HK$282,860/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,873,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,715
−HK$8,824/mo
▼ 0.25% · 3.875%
HK$145,092
−HK$4,447/mo
Today · 4.125%
HK$149,539
baseline
▲ 0.50% · 4.625%
HK$158,639
+HK$9,100/mo
Deposit HK$13.22M · loan HK$30.86M · min. income ≈ HK$299,078/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,873,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,544
−HK$8,458/mo
▼ 0.25% · 3.875%
HK$160,743
−HK$4,259/mo
Today · 4.125%
HK$165,002
baseline
▲ 0.50% · 4.625%
HK$173,699
+HK$8,697/mo
Deposit HK$13.22M · loan HK$30.86M · min. income ≈ HK$330,004/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,873,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,920
−HK$11,345/mo
▼ 0.25% · 3.875%
HK$186,547
−HK$5,718/mo
Today · 4.125%
HK$192,265
baseline
▲ 0.50% · 4.625%
HK$203,964
+HK$11,699/mo
Deposit HK$4.41M · loan HK$39.67M · min. income ≈ HK$384,530/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,873,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,271
−HK$10,874/mo
▼ 0.25% · 3.875%
HK$206,669
−HK$5,476/mo
Today · 4.125%
HK$212,145
baseline
▲ 0.50% · 4.625%
HK$223,328
+HK$11,183/mo
Deposit HK$4.41M · loan HK$39.67M · min. income ≈ HK$424,290/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,873,349 · Scale 2, in force from 26 Feb 2026)