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$104,165
−HK$6,533/mo
▼ 0.25% · 3.875%
HK$107,406
−HK$3,292/mo
Today · 4.125%
HK$110,698
baseline
▲ 0.50% · 4.625%
HK$117,433
+HK$6,735/mo
Deposit HK$22.84M · loan HK$22.84M · min. income ≈ HK$221,396/mo (50% DSR)
Upfront cash ≈ HK$24.78M (deposit + AVD stamp duty HK$1,941,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,883
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$118,991
−HK$3,153/mo
Today · 4.125%
HK$122,144
baseline
▲ 0.50% · 4.625%
HK$128,582
+HK$6,438/mo
Deposit HK$22.84M · loan HK$22.84M · min. income ≈ HK$244,288/mo (50% DSR)
Upfront cash ≈ HK$24.78M (deposit + AVD stamp duty HK$1,941,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,999
−HK$7,838/mo
▼ 0.25% · 3.875%
HK$128,887
−HK$3,950/mo
Today · 4.125%
HK$132,837
baseline
▲ 0.50% · 4.625%
HK$140,920
+HK$8,083/mo
Deposit HK$18.27M · loan HK$27.41M · min. income ≈ HK$265,674/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,941,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,060
−HK$7,513/mo
▼ 0.25% · 3.875%
HK$142,789
−HK$3,784/mo
Today · 4.125%
HK$146,573
baseline
▲ 0.50% · 4.625%
HK$154,299
+HK$7,726/mo
Deposit HK$18.27M · loan HK$27.41M · min. income ≈ HK$293,146/mo (50% DSR)
Upfront cash ≈ HK$20.21M (deposit + AVD stamp duty HK$1,941,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,832
−HK$9,145/mo
▼ 0.25% · 3.875%
HK$150,368
−HK$4,609/mo
Today · 4.125%
HK$154,977
baseline
▲ 0.50% · 4.625%
HK$164,406
+HK$9,429/mo
Deposit HK$13.70M · loan HK$31.98M · min. income ≈ HK$309,954/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,941,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,236
−HK$8,765/mo
▼ 0.25% · 3.875%
HK$166,587
−HK$4,414/mo
Today · 4.125%
HK$171,001
baseline
▲ 0.50% · 4.625%
HK$180,015
+HK$9,014/mo
Deposit HK$13.70M · loan HK$31.98M · min. income ≈ HK$342,002/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,941,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,498
−HK$11,758/mo
▼ 0.25% · 3.875%
HK$193,330
−HK$5,926/mo
Today · 4.125%
HK$199,256
baseline
▲ 0.50% · 4.625%
HK$211,380
+HK$12,124/mo
Deposit HK$4.57M · loan HK$41.11M · min. income ≈ HK$398,512/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,941,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,589
−HK$11,270/mo
▼ 0.25% · 3.875%
HK$214,184
−HK$5,675/mo
Today · 4.125%
HK$219,859
baseline
▲ 0.50% · 4.625%
HK$231,448
+HK$11,589/mo
Deposit HK$4.57M · loan HK$41.11M · min. income ≈ HK$439,718/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,941,462 · Scale 2, in force from 26 Feb 2026)