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$107,439
−HK$6,737/mo
▼ 0.25% · 3.875%
HK$110,781
−HK$3,395/mo
Today · 4.125%
HK$114,176
baseline
▲ 0.50% · 4.625%
HK$121,123
+HK$6,947/mo
Deposit HK$23.56M · loan HK$23.56M · min. income ≈ HK$228,352/mo (50% DSR)
Upfront cash ≈ HK$25.56M (deposit + AVD stamp duty HK$2,002,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,524
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$122,730
−HK$3,252/mo
Today · 4.125%
HK$125,982
baseline
▲ 0.50% · 4.625%
HK$132,623
+HK$6,641/mo
Deposit HK$23.56M · loan HK$23.56M · min. income ≈ HK$251,964/mo (50% DSR)
Upfront cash ≈ HK$25.56M (deposit + AVD stamp duty HK$2,002,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,926
−HK$8,085/mo
▼ 0.25% · 3.875%
HK$132,937
−HK$4,074/mo
Today · 4.125%
HK$137,011
baseline
▲ 0.50% · 4.625%
HK$145,348
+HK$8,337/mo
Deposit HK$18.85M · loan HK$28.27M · min. income ≈ HK$274,022/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$2,002,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,429
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$147,276
−HK$3,902/mo
Today · 4.125%
HK$151,178
baseline
▲ 0.50% · 4.625%
HK$159,147
+HK$7,969/mo
Deposit HK$18.85M · loan HK$28.27M · min. income ≈ HK$302,356/mo (50% DSR)
Upfront cash ≈ HK$20.85M (deposit + AVD stamp duty HK$2,002,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,414
−HK$9,433/mo
▼ 0.25% · 3.875%
HK$155,093
−HK$4,754/mo
Today · 4.125%
HK$159,847
baseline
▲ 0.50% · 4.625%
HK$169,573
+HK$9,726/mo
Deposit HK$14.14M · loan HK$32.98M · min. income ≈ HK$319,694/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$2,002,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,334
−HK$9,041/mo
▼ 0.25% · 3.875%
HK$171,822
−HK$4,553/mo
Today · 4.125%
HK$176,375
baseline
▲ 0.50% · 4.625%
HK$185,672
+HK$9,297/mo
Deposit HK$14.14M · loan HK$32.98M · min. income ≈ HK$352,750/mo (50% DSR)
Upfront cash ≈ HK$16.14M (deposit + AVD stamp duty HK$2,002,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,390
−HK$12,127/mo
▼ 0.25% · 3.875%
HK$199,405
−HK$6,112/mo
Today · 4.125%
HK$205,517
baseline
▲ 0.50% · 4.625%
HK$218,022
+HK$12,505/mo
Deposit HK$4.71M · loan HK$42.41M · min. income ≈ HK$411,034/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$2,002,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,144
−HK$11,624/mo
▼ 0.25% · 3.875%
HK$220,914
−HK$5,854/mo
Today · 4.125%
HK$226,768
baseline
▲ 0.50% · 4.625%
HK$238,721
+HK$11,953/mo
Deposit HK$4.71M · loan HK$42.41M · min. income ≈ HK$453,536/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$2,002,471 · Scale 2, in force from 26 Feb 2026)