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$104,983
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$108,248
−HK$3,318/mo
Today · 4.125%
HK$111,566
baseline
▲ 0.50% · 4.625%
HK$118,355
+HK$6,789/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$223,132/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,792
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$119,925
−HK$3,177/mo
Today · 4.125%
HK$123,102
baseline
▲ 0.50% · 4.625%
HK$129,591
+HK$6,489/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$246,204/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,979
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$129,898
−HK$3,981/mo
Today · 4.125%
HK$133,879
baseline
▲ 0.50% · 4.625%
HK$142,026
+HK$8,147/mo
Deposit HK$18.42M · loan HK$27.62M · min. income ≈ HK$267,758/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,151
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$143,910
−HK$3,813/mo
Today · 4.125%
HK$147,723
baseline
▲ 0.50% · 4.625%
HK$155,509
+HK$7,786/mo
Deposit HK$18.42M · loan HK$27.62M · min. income ≈ HK$295,446/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,976
−HK$9,217/mo
▼ 0.25% · 3.875%
HK$151,548
−HK$4,645/mo
Today · 4.125%
HK$156,193
baseline
▲ 0.50% · 4.625%
HK$165,697
+HK$9,504/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$312,386/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,509
−HK$8,834/mo
▼ 0.25% · 3.875%
HK$167,894
−HK$4,449/mo
Today · 4.125%
HK$172,343
baseline
▲ 0.50% · 4.625%
HK$181,428
+HK$9,085/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$344,686/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,969
−HK$11,850/mo
▼ 0.25% · 3.875%
HK$194,847
−HK$5,972/mo
Today · 4.125%
HK$200,819
baseline
▲ 0.50% · 4.625%
HK$213,038
+HK$12,219/mo
Deposit HK$4.60M · loan HK$41.44M · min. income ≈ HK$401,638/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,226
−HK$11,358/mo
▼ 0.25% · 3.875%
HK$215,864
−HK$5,720/mo
Today · 4.125%
HK$221,584
baseline
▲ 0.50% · 4.625%
HK$233,264
+HK$11,680/mo
Deposit HK$4.60M · loan HK$41.44M · min. income ≈ HK$443,168/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,697 · Scale 2, in force from 26 Feb 2026)