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$108,195
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$111,560
−HK$3,420/mo
Today · 4.125%
HK$114,980
baseline
▲ 0.50% · 4.625%
HK$121,976
+HK$6,996/mo
Deposit HK$23.72M · loan HK$23.72M · min. income ≈ HK$229,960/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$2,016,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,366
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$123,594
−HK$3,275/mo
Today · 4.125%
HK$126,869
baseline
▲ 0.50% · 4.625%
HK$133,556
+HK$6,687/mo
Deposit HK$23.72M · loan HK$23.72M · min. income ≈ HK$253,738/mo (50% DSR)
Upfront cash ≈ HK$25.74M (deposit + AVD stamp duty HK$2,016,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,834
−HK$8,142/mo
▼ 0.25% · 3.875%
HK$133,872
−HK$4,104/mo
Today · 4.125%
HK$137,976
baseline
▲ 0.50% · 4.625%
HK$146,371
+HK$8,395/mo
Deposit HK$18.98M · loan HK$28.47M · min. income ≈ HK$275,952/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$2,016,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,439
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$148,313
−HK$3,929/mo
Today · 4.125%
HK$152,242
baseline
▲ 0.50% · 4.625%
HK$160,267
+HK$8,025/mo
Deposit HK$18.98M · loan HK$28.47M · min. income ≈ HK$304,484/mo (50% DSR)
Upfront cash ≈ HK$21.00M (deposit + AVD stamp duty HK$2,016,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,473
−HK$9,499/mo
▼ 0.25% · 3.875%
HK$156,185
−HK$4,787/mo
Today · 4.125%
HK$160,972
baseline
▲ 0.50% · 4.625%
HK$170,766
+HK$9,794/mo
Deposit HK$14.23M · loan HK$33.21M · min. income ≈ HK$321,944/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,512
−HK$9,104/mo
▼ 0.25% · 3.875%
HK$173,031
−HK$4,585/mo
Today · 4.125%
HK$177,616
baseline
▲ 0.50% · 4.625%
HK$186,979
+HK$9,363/mo
Deposit HK$14.23M · loan HK$33.21M · min. income ≈ HK$355,232/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,751
−HK$12,212/mo
▼ 0.25% · 3.875%
HK$200,809
−HK$6,154/mo
Today · 4.125%
HK$206,963
baseline
▲ 0.50% · 4.625%
HK$219,557
+HK$12,594/mo
Deposit HK$4.74M · loan HK$42.70M · min. income ≈ HK$413,926/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,658
−HK$11,706/mo
▼ 0.25% · 3.875%
HK$222,469
−HK$5,895/mo
Today · 4.125%
HK$228,364
baseline
▲ 0.50% · 4.625%
HK$240,401
+HK$12,037/mo
Deposit HK$4.74M · loan HK$42.70M · min. income ≈ HK$456,728/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,564 · Scale 2, in force from 26 Feb 2026)