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$101,772
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$104,938
−HK$3,216/mo
Today · 4.125%
HK$108,154
baseline
▲ 0.50% · 4.625%
HK$114,735
+HK$6,581/mo
Deposit HK$22.32M · loan HK$22.32M · min. income ≈ HK$216,308/mo (50% DSR)
Upfront cash ≈ HK$24.21M (deposit + AVD stamp duty HK$1,896,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,221
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$116,257
−HK$3,081/mo
Today · 4.125%
HK$119,338
baseline
▲ 0.50% · 4.625%
HK$125,628
+HK$6,290/mo
Deposit HK$22.32M · loan HK$22.32M · min. income ≈ HK$238,676/mo (50% DSR)
Upfront cash ≈ HK$24.21M (deposit + AVD stamp duty HK$1,896,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,127
−HK$7,658/mo
▼ 0.25% · 3.875%
HK$125,926
−HK$3,859/mo
Today · 4.125%
HK$129,785
baseline
▲ 0.50% · 4.625%
HK$137,682
+HK$7,897/mo
Deposit HK$17.85M · loan HK$26.78M · min. income ≈ HK$259,570/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,896,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,865
−HK$7,340/mo
▼ 0.25% · 3.875%
HK$139,509
−HK$3,696/mo
Today · 4.125%
HK$143,205
baseline
▲ 0.50% · 4.625%
HK$150,754
+HK$7,549/mo
Deposit HK$17.85M · loan HK$26.78M · min. income ≈ HK$286,410/mo (50% DSR)
Upfront cash ≈ HK$19.75M (deposit + AVD stamp duty HK$1,896,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,481
−HK$8,935/mo
▼ 0.25% · 3.875%
HK$146,913
−HK$4,503/mo
Today · 4.125%
HK$151,416
baseline
▲ 0.50% · 4.625%
HK$160,629
+HK$9,213/mo
Deposit HK$13.39M · loan HK$31.24M · min. income ≈ HK$302,832/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,896,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,509
−HK$8,564/mo
▼ 0.25% · 3.875%
HK$162,760
−HK$4,313/mo
Today · 4.125%
HK$167,073
baseline
▲ 0.50% · 4.625%
HK$175,879
+HK$8,806/mo
Deposit HK$13.39M · loan HK$31.24M · min. income ≈ HK$334,146/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,896,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,190
−HK$11,488/mo
▼ 0.25% · 3.875%
HK$188,888
−HK$5,790/mo
Today · 4.125%
HK$194,678
baseline
▲ 0.50% · 4.625%
HK$206,523
+HK$11,845/mo
Deposit HK$4.46M · loan HK$40.17M · min. income ≈ HK$389,356/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,896,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,797
−HK$11,011/mo
▼ 0.25% · 3.875%
HK$209,263
−HK$5,545/mo
Today · 4.125%
HK$214,808
baseline
▲ 0.50% · 4.625%
HK$226,130
+HK$11,322/mo
Deposit HK$4.46M · loan HK$40.17M · min. income ≈ HK$429,616/mo (50% DSR)
Upfront cash ≈ HK$6.36M (deposit + AVD stamp duty HK$1,896,858 · Scale 2, in force from 26 Feb 2026)