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$106,046
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$109,344
−HK$3,352/mo
Today · 4.125%
HK$112,696
baseline
▲ 0.50% · 4.625%
HK$119,553
+HK$6,857/mo
Deposit HK$23.25M · loan HK$23.25M · min. income ≈ HK$225,392/mo (50% DSR)
Upfront cash ≈ HK$25.23M (deposit + AVD stamp duty HK$1,976,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,975
−HK$6,373/mo
▼ 0.25% · 3.875%
HK$121,139
−HK$3,209/mo
Today · 4.125%
HK$124,348
baseline
▲ 0.50% · 4.625%
HK$130,903
+HK$6,555/mo
Deposit HK$23.25M · loan HK$23.25M · min. income ≈ HK$248,696/mo (50% DSR)
Upfront cash ≈ HK$25.23M (deposit + AVD stamp duty HK$1,976,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,255
−HK$7,980/mo
▼ 0.25% · 3.875%
HK$131,213
−HK$4,022/mo
Today · 4.125%
HK$135,235
baseline
▲ 0.50% · 4.625%
HK$143,463
+HK$8,228/mo
Deposit HK$18.60M · loan HK$27.90M · min. income ≈ HK$270,470/mo (50% DSR)
Upfront cash ≈ HK$20.58M (deposit + AVD stamp duty HK$1,976,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,570
−HK$7,648/mo
▼ 0.25% · 3.875%
HK$145,366
−HK$3,852/mo
Today · 4.125%
HK$149,218
baseline
▲ 0.50% · 4.625%
HK$157,084
+HK$7,866/mo
Deposit HK$18.60M · loan HK$27.90M · min. income ≈ HK$298,436/mo (50% DSR)
Upfront cash ≈ HK$20.58M (deposit + AVD stamp duty HK$1,976,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,464
−HK$9,310/mo
▼ 0.25% · 3.875%
HK$153,082
−HK$4,692/mo
Today · 4.125%
HK$157,774
baseline
▲ 0.50% · 4.625%
HK$167,374
+HK$9,600/mo
Deposit HK$13.95M · loan HK$32.55M · min. income ≈ HK$315,548/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,976,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,164
−HK$8,924/mo
▼ 0.25% · 3.875%
HK$169,594
−HK$4,494/mo
Today · 4.125%
HK$174,088
baseline
▲ 0.50% · 4.625%
HK$183,264
+HK$9,176/mo
Deposit HK$13.95M · loan HK$32.55M · min. income ≈ HK$348,176/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,976,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,882
−HK$11,970/mo
▼ 0.25% · 3.875%
HK$196,819
−HK$6,033/mo
Today · 4.125%
HK$202,852
baseline
▲ 0.50% · 4.625%
HK$215,195
+HK$12,343/mo
Deposit HK$4.65M · loan HK$41.86M · min. income ≈ HK$405,704/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$1,976,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,354
−HK$11,473/mo
▼ 0.25% · 3.875%
HK$218,049
−HK$5,778/mo
Today · 4.125%
HK$223,827
baseline
▲ 0.50% · 4.625%
HK$235,625
+HK$11,798/mo
Deposit HK$4.65M · loan HK$41.86M · min. income ≈ HK$447,654/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$1,976,504 · Scale 2, in force from 26 Feb 2026)