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$97,070
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$100,089
−HK$3,068/mo
Today · 4.125%
HK$103,157
baseline
▲ 0.50% · 4.625%
HK$109,434
+HK$6,277/mo
Deposit HK$21.28M · loan HK$21.28M · min. income ≈ HK$206,314/mo (50% DSR)
Upfront cash ≈ HK$23.09M (deposit + AVD stamp duty HK$1,809,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,989
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$110,885
−HK$2,939/mo
Today · 4.125%
HK$113,824
baseline
▲ 0.50% · 4.625%
HK$119,823
+HK$5,999/mo
Deposit HK$21.28M · loan HK$21.28M · min. income ≈ HK$227,648/mo (50% DSR)
Upfront cash ≈ HK$23.09M (deposit + AVD stamp duty HK$1,809,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,484
−HK$7,304/mo
▼ 0.25% · 3.875%
HK$120,107
−HK$3,681/mo
Today · 4.125%
HK$123,788
baseline
▲ 0.50% · 4.625%
HK$131,321
+HK$7,533/mo
Deposit HK$17.03M · loan HK$25.54M · min. income ≈ HK$247,576/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,809,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,587
−HK$7,001/mo
▼ 0.25% · 3.875%
HK$133,063
−HK$3,525/mo
Today · 4.125%
HK$136,588
baseline
▲ 0.50% · 4.625%
HK$143,788
+HK$7,200/mo
Deposit HK$17.03M · loan HK$25.54M · min. income ≈ HK$273,176/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,809,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,898
−HK$8,522/mo
▼ 0.25% · 3.875%
HK$140,125
−HK$4,295/mo
Today · 4.125%
HK$144,420
baseline
▲ 0.50% · 4.625%
HK$153,207
+HK$8,787/mo
Deposit HK$12.77M · loan HK$29.80M · min. income ≈ HK$288,840/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,809,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,185
−HK$8,168/mo
▼ 0.25% · 3.875%
HK$155,240
−HK$4,113/mo
Today · 4.125%
HK$159,353
baseline
▲ 0.50% · 4.625%
HK$167,753
+HK$8,400/mo
Deposit HK$12.77M · loan HK$29.80M · min. income ≈ HK$318,706/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,809,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,726
−HK$10,957/mo
▼ 0.25% · 3.875%
HK$180,161
−HK$5,522/mo
Today · 4.125%
HK$185,683
baseline
▲ 0.50% · 4.625%
HK$196,981
+HK$11,298/mo
Deposit HK$4.26M · loan HK$38.31M · min. income ≈ HK$371,366/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,809,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,381
−HK$10,501/mo
▼ 0.25% · 3.875%
HK$199,594
−HK$5,288/mo
Today · 4.125%
HK$204,882
baseline
▲ 0.50% · 4.625%
HK$215,682
+HK$10,800/mo
Deposit HK$4.26M · loan HK$38.31M · min. income ≈ HK$409,764/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$1,809,213 · Scale 2, in force from 26 Feb 2026)