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$101,751
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$104,916
−HK$3,216/mo
Today · 4.125%
HK$108,132
baseline
▲ 0.50% · 4.625%
HK$114,711
+HK$6,579/mo
Deposit HK$22.31M · loan HK$22.31M · min. income ≈ HK$216,264/mo (50% DSR)
Upfront cash ≈ HK$24.21M (deposit + AVD stamp duty HK$1,896,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,197
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$116,233
−HK$3,080/mo
Today · 4.125%
HK$119,313
baseline
▲ 0.50% · 4.625%
HK$125,602
+HK$6,289/mo
Deposit HK$22.31M · loan HK$22.31M · min. income ≈ HK$238,626/mo (50% DSR)
Upfront cash ≈ HK$24.21M (deposit + AVD stamp duty HK$1,896,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,101
−HK$7,657/mo
▼ 0.25% · 3.875%
HK$125,899
−HK$3,859/mo
Today · 4.125%
HK$129,758
baseline
▲ 0.50% · 4.625%
HK$137,654
+HK$7,896/mo
Deposit HK$17.85M · loan HK$26.77M · min. income ≈ HK$259,516/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,896,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,836
−HK$7,339/mo
▼ 0.25% · 3.875%
HK$139,479
−HK$3,696/mo
Today · 4.125%
HK$143,175
baseline
▲ 0.50% · 4.625%
HK$150,722
+HK$7,547/mo
Deposit HK$17.85M · loan HK$26.77M · min. income ≈ HK$286,350/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,896,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,451
−HK$8,933/mo
▼ 0.25% · 3.875%
HK$146,882
−HK$4,502/mo
Today · 4.125%
HK$151,384
baseline
▲ 0.50% · 4.625%
HK$160,596
+HK$9,212/mo
Deposit HK$13.39M · loan HK$31.24M · min. income ≈ HK$302,768/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,896,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,476
−HK$8,562/mo
▼ 0.25% · 3.875%
HK$162,726
−HK$4,312/mo
Today · 4.125%
HK$167,038
baseline
▲ 0.50% · 4.625%
HK$175,843
+HK$8,805/mo
Deposit HK$13.39M · loan HK$31.24M · min. income ≈ HK$334,076/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,896,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,152
−HK$11,485/mo
▼ 0.25% · 3.875%
HK$188,849
−HK$5,788/mo
Today · 4.125%
HK$194,637
baseline
▲ 0.50% · 4.625%
HK$206,480
+HK$11,843/mo
Deposit HK$4.46M · loan HK$40.16M · min. income ≈ HK$389,274/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,896,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,755
−HK$11,008/mo
▼ 0.25% · 3.875%
HK$209,219
−HK$5,544/mo
Today · 4.125%
HK$214,763
baseline
▲ 0.50% · 4.625%
HK$226,083
+HK$11,320/mo
Deposit HK$4.46M · loan HK$40.16M · min. income ≈ HK$429,526/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,896,462 · Scale 2, in force from 26 Feb 2026)