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$105,194
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$108,466
−HK$3,324/mo
Today · 4.125%
HK$111,790
baseline
▲ 0.50% · 4.625%
HK$118,592
+HK$6,802/mo
Deposit HK$23.07M · loan HK$23.07M · min. income ≈ HK$223,580/mo (50% DSR)
Upfront cash ≈ HK$25.03M (deposit + AVD stamp duty HK$1,960,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,027
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$120,166
−HK$3,184/mo
Today · 4.125%
HK$123,350
baseline
▲ 0.50% · 4.625%
HK$129,852
+HK$6,502/mo
Deposit HK$23.07M · loan HK$23.07M · min. income ≈ HK$246,700/mo (50% DSR)
Upfront cash ≈ HK$25.03M (deposit + AVD stamp duty HK$1,960,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,232
−HK$7,916/mo
▼ 0.25% · 3.875%
HK$130,159
−HK$3,989/mo
Today · 4.125%
HK$134,148
baseline
▲ 0.50% · 4.625%
HK$142,311
+HK$8,163/mo
Deposit HK$18.45M · loan HK$27.68M · min. income ≈ HK$268,296/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,960,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,432
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$144,199
−HK$3,820/mo
Today · 4.125%
HK$148,019
baseline
▲ 0.50% · 4.625%
HK$155,822
+HK$7,803/mo
Deposit HK$18.45M · loan HK$27.68M · min. income ≈ HK$296,038/mo (50% DSR)
Upfront cash ≈ HK$20.41M (deposit + AVD stamp duty HK$1,960,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,271
−HK$9,235/mo
▼ 0.25% · 3.875%
HK$151,852
−HK$4,654/mo
Today · 4.125%
HK$156,506
baseline
▲ 0.50% · 4.625%
HK$166,029
+HK$9,523/mo
Deposit HK$13.84M · loan HK$32.29M · min. income ≈ HK$313,012/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,838
−HK$8,851/mo
▼ 0.25% · 3.875%
HK$168,232
−HK$4,457/mo
Today · 4.125%
HK$172,689
baseline
▲ 0.50% · 4.625%
HK$181,792
+HK$9,103/mo
Deposit HK$13.84M · loan HK$32.29M · min. income ≈ HK$345,378/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,960,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,349
−HK$11,874/mo
▼ 0.25% · 3.875%
HK$195,239
−HK$5,984/mo
Today · 4.125%
HK$201,223
baseline
▲ 0.50% · 4.625%
HK$213,466
+HK$12,243/mo
Deposit HK$4.61M · loan HK$41.52M · min. income ≈ HK$402,446/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,649
−HK$11,380/mo
▼ 0.25% · 3.875%
HK$216,298
−HK$5,731/mo
Today · 4.125%
HK$222,029
baseline
▲ 0.50% · 4.625%
HK$233,733
+HK$11,704/mo
Deposit HK$4.61M · loan HK$41.52M · min. income ≈ HK$444,058/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,960,628 · Scale 2, in force from 26 Feb 2026)