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$108,273
−HK$6,790/mo
▼ 0.25% · 3.875%
HK$111,641
−HK$3,422/mo
Today · 4.125%
HK$115,063
baseline
▲ 0.50% · 4.625%
HK$122,064
+HK$7,001/mo
Deposit HK$23.74M · loan HK$23.74M · min. income ≈ HK$230,126/mo (50% DSR)
Upfront cash ≈ HK$25.76M (deposit + AVD stamp duty HK$2,018,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,453
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$123,683
−HK$3,277/mo
Today · 4.125%
HK$126,960
baseline
▲ 0.50% · 4.625%
HK$133,652
+HK$6,692/mo
Deposit HK$23.74M · loan HK$23.74M · min. income ≈ HK$253,920/mo (50% DSR)
Upfront cash ≈ HK$25.76M (deposit + AVD stamp duty HK$2,018,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,928
−HK$8,147/mo
▼ 0.25% · 3.875%
HK$133,969
−HK$4,106/mo
Today · 4.125%
HK$138,075
baseline
▲ 0.50% · 4.625%
HK$146,477
+HK$8,402/mo
Deposit HK$18.99M · loan HK$28.49M · min. income ≈ HK$276,150/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$2,018,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,543
−HK$7,809/mo
▼ 0.25% · 3.875%
HK$148,420
−HK$3,932/mo
Today · 4.125%
HK$152,352
baseline
▲ 0.50% · 4.625%
HK$160,383
+HK$8,031/mo
Deposit HK$18.99M · loan HK$28.49M · min. income ≈ HK$304,704/mo (50% DSR)
Upfront cash ≈ HK$21.01M (deposit + AVD stamp duty HK$2,018,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,582
−HK$9,506/mo
▼ 0.25% · 3.875%
HK$156,297
−HK$4,791/mo
Today · 4.125%
HK$161,088
baseline
▲ 0.50% · 4.625%
HK$170,889
+HK$9,801/mo
Deposit HK$14.24M · loan HK$33.24M · min. income ≈ HK$322,176/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$2,018,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,634
−HK$9,110/mo
▼ 0.25% · 3.875%
HK$173,156
−HK$4,588/mo
Today · 4.125%
HK$177,744
baseline
▲ 0.50% · 4.625%
HK$187,113
+HK$9,369/mo
Deposit HK$14.24M · loan HK$33.24M · min. income ≈ HK$355,488/mo (50% DSR)
Upfront cash ≈ HK$16.26M (deposit + AVD stamp duty HK$2,018,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,891
−HK$12,222/mo
▼ 0.25% · 3.875%
HK$200,954
−HK$6,159/mo
Today · 4.125%
HK$207,113
baseline
▲ 0.50% · 4.625%
HK$219,715
+HK$12,602/mo
Deposit HK$4.75M · loan HK$42.73M · min. income ≈ HK$414,226/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$2,018,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,815
−HK$11,713/mo
▼ 0.25% · 3.875%
HK$222,629
−HK$5,899/mo
Today · 4.125%
HK$228,528
baseline
▲ 0.50% · 4.625%
HK$240,574
+HK$12,046/mo
Deposit HK$4.75M · loan HK$42.73M · min. income ≈ HK$457,056/mo (50% DSR)
Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$2,018,019 · Scale 2, in force from 26 Feb 2026)