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$97,365
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$100,393
−HK$3,077/mo
Today · 4.125%
HK$103,470
baseline
▲ 0.50% · 4.625%
HK$109,766
+HK$6,296/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$206,940/mo (50% DSR)
Upfront cash ≈ HK$23.16M (deposit + AVD stamp duty HK$1,814,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,317
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$111,222
−HK$2,947/mo
Today · 4.125%
HK$114,169
baseline
▲ 0.50% · 4.625%
HK$120,188
+HK$6,019/mo
Deposit HK$21.35M · loan HK$21.35M · min. income ≈ HK$228,338/mo (50% DSR)
Upfront cash ≈ HK$23.16M (deposit + AVD stamp duty HK$1,814,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,838
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$120,472
−HK$3,693/mo
Today · 4.125%
HK$124,165
baseline
▲ 0.50% · 4.625%
HK$131,720
+HK$7,555/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$248,330/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,814,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,981
−HK$7,022/mo
▼ 0.25% · 3.875%
HK$133,467
−HK$3,536/mo
Today · 4.125%
HK$137,003
baseline
▲ 0.50% · 4.625%
HK$144,225
+HK$7,222/mo
Deposit HK$17.08M · loan HK$25.62M · min. income ≈ HK$274,006/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,814,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,311
−HK$8,548/mo
▼ 0.25% · 3.875%
HK$140,551
−HK$4,308/mo
Today · 4.125%
HK$144,859
baseline
▲ 0.50% · 4.625%
HK$153,673
+HK$8,814/mo
Deposit HK$12.81M · loan HK$29.89M · min. income ≈ HK$289,718/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,814,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,644
−HK$8,193/mo
▼ 0.25% · 3.875%
HK$155,711
−HK$4,126/mo
Today · 4.125%
HK$159,837
baseline
▲ 0.50% · 4.625%
HK$168,263
+HK$8,426/mo
Deposit HK$12.81M · loan HK$29.89M · min. income ≈ HK$319,674/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,814,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,257
−HK$10,990/mo
▼ 0.25% · 3.875%
HK$180,708
−HK$5,539/mo
Today · 4.125%
HK$186,247
baseline
▲ 0.50% · 4.625%
HK$197,580
+HK$11,333/mo
Deposit HK$4.27M · loan HK$38.43M · min. income ≈ HK$372,494/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,814,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,971
−HK$10,534/mo
▼ 0.25% · 3.875%
HK$200,200
−HK$5,305/mo
Today · 4.125%
HK$205,505
baseline
▲ 0.50% · 4.625%
HK$216,338
+HK$10,833/mo
Deposit HK$4.27M · loan HK$38.43M · min. income ≈ HK$411,010/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$1,814,712 · Scale 2, in force from 26 Feb 2026)