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$97,816
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$100,859
−HK$3,091/mo
Today · 4.125%
HK$103,950
baseline
▲ 0.50% · 4.625%
HK$110,275
+HK$6,325/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$207,900/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$1,823,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,819
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$111,738
−HK$2,961/mo
Today · 4.125%
HK$114,699
baseline
▲ 0.50% · 4.625%
HK$120,745
+HK$6,046/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$229,398/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$1,823,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,379
−HK$7,361/mo
▼ 0.25% · 3.875%
HK$121,031
−HK$3,709/mo
Today · 4.125%
HK$124,740
baseline
▲ 0.50% · 4.625%
HK$132,330
+HK$7,590/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$249,480/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,823,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,583
−HK$7,055/mo
▼ 0.25% · 3.875%
HK$134,086
−HK$3,552/mo
Today · 4.125%
HK$137,638
baseline
▲ 0.50% · 4.625%
HK$144,893
+HK$7,255/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$275,276/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,823,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,943
−HK$8,587/mo
▼ 0.25% · 3.875%
HK$141,202
−HK$4,328/mo
Today · 4.125%
HK$145,530
baseline
▲ 0.50% · 4.625%
HK$154,385
+HK$8,855/mo
Deposit HK$12.87M · loan HK$30.03M · min. income ≈ HK$291,060/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,823,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,347
−HK$8,231/mo
▼ 0.25% · 3.875%
HK$156,433
−HK$4,145/mo
Today · 4.125%
HK$160,578
baseline
▲ 0.50% · 4.625%
HK$169,042
+HK$8,464/mo
Deposit HK$12.87M · loan HK$30.03M · min. income ≈ HK$321,156/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,823,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,069
−HK$11,041/mo
▼ 0.25% · 3.875%
HK$181,546
−HK$5,564/mo
Today · 4.125%
HK$187,110
baseline
▲ 0.50% · 4.625%
HK$198,495
+HK$11,385/mo
Deposit HK$4.29M · loan HK$38.61M · min. income ≈ HK$374,220/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,875
−HK$10,583/mo
▼ 0.25% · 3.875%
HK$201,128
−HK$5,330/mo
Today · 4.125%
HK$206,458
baseline
▲ 0.50% · 4.625%
HK$217,340
+HK$10,882/mo
Deposit HK$4.29M · loan HK$38.61M · min. income ≈ HK$412,916/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,823,123 · Scale 2, in force from 26 Feb 2026)