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$96,058
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$99,046
−HK$3,036/mo
Today · 4.125%
HK$102,082
baseline
▲ 0.50% · 4.625%
HK$108,293
+HK$6,211/mo
Deposit HK$21.06M · loan HK$21.06M · min. income ≈ HK$204,164/mo (50% DSR)
Upfront cash ≈ HK$22.85M (deposit + AVD stamp duty HK$1,790,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,864
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$109,730
−HK$2,907/mo
Today · 4.125%
HK$112,637
baseline
▲ 0.50% · 4.625%
HK$118,575
+HK$5,938/mo
Deposit HK$21.06M · loan HK$21.06M · min. income ≈ HK$225,274/mo (50% DSR)
Upfront cash ≈ HK$22.85M (deposit + AVD stamp duty HK$1,790,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,270
−HK$7,228/mo
▼ 0.25% · 3.875%
HK$118,855
−HK$3,643/mo
Today · 4.125%
HK$122,498
baseline
▲ 0.50% · 4.625%
HK$129,952
+HK$7,454/mo
Deposit HK$16.85M · loan HK$25.28M · min. income ≈ HK$244,996/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,790,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,237
−HK$6,928/mo
▼ 0.25% · 3.875%
HK$131,676
−HK$3,489/mo
Today · 4.125%
HK$135,165
baseline
▲ 0.50% · 4.625%
HK$142,290
+HK$7,125/mo
Deposit HK$16.85M · loan HK$25.28M · min. income ≈ HK$270,330/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,790,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,482
−HK$8,433/mo
▼ 0.25% · 3.875%
HK$138,665
−HK$4,250/mo
Today · 4.125%
HK$142,915
baseline
▲ 0.50% · 4.625%
HK$151,611
+HK$8,696/mo
Deposit HK$12.64M · loan HK$29.49M · min. income ≈ HK$285,830/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,790,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,609
−HK$8,083/mo
▼ 0.25% · 3.875%
HK$153,622
−HK$4,070/mo
Today · 4.125%
HK$157,692
baseline
▲ 0.50% · 4.625%
HK$166,004
+HK$8,312/mo
Deposit HK$12.64M · loan HK$29.49M · min. income ≈ HK$315,384/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,790,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,905
−HK$10,842/mo
▼ 0.25% · 3.875%
HK$178,283
−HK$5,464/mo
Today · 4.125%
HK$183,747
baseline
▲ 0.50% · 4.625%
HK$194,928
+HK$11,181/mo
Deposit HK$4.21M · loan HK$37.91M · min. income ≈ HK$367,494/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,790,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,355
−HK$10,392/mo
▼ 0.25% · 3.875%
HK$197,514
−HK$5,233/mo
Today · 4.125%
HK$202,747
baseline
▲ 0.50% · 4.625%
HK$213,434
+HK$10,687/mo
Deposit HK$4.21M · loan HK$37.91M · min. income ≈ HK$405,494/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,790,358 · Scale 2, in force from 26 Feb 2026)