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$105,436
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$108,716
−HK$3,332/mo
Today · 4.125%
HK$112,048
baseline
▲ 0.50% · 4.625%
HK$118,866
+HK$6,818/mo
Deposit HK$23.12M · loan HK$23.12M · min. income ≈ HK$224,096/mo (50% DSR)
Upfront cash ≈ HK$25.08M (deposit + AVD stamp duty HK$1,965,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,297
−HK$6,337/mo
▼ 0.25% · 3.875%
HK$120,442
−HK$3,192/mo
Today · 4.125%
HK$123,634
baseline
▲ 0.50% · 4.625%
HK$130,151
+HK$6,517/mo
Deposit HK$23.12M · loan HK$23.12M · min. income ≈ HK$247,268/mo (50% DSR)
Upfront cash ≈ HK$25.08M (deposit + AVD stamp duty HK$1,965,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,523
−HK$7,934/mo
▼ 0.25% · 3.875%
HK$130,459
−HK$3,998/mo
Today · 4.125%
HK$134,457
baseline
▲ 0.50% · 4.625%
HK$142,639
+HK$8,182/mo
Deposit HK$18.50M · loan HK$27.74M · min. income ≈ HK$268,914/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,965,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,756
−HK$7,604/mo
▼ 0.25% · 3.875%
HK$144,531
−HK$3,829/mo
Today · 4.125%
HK$148,360
baseline
▲ 0.50% · 4.625%
HK$156,181
+HK$7,821/mo
Deposit HK$18.50M · loan HK$27.74M · min. income ≈ HK$296,720/mo (50% DSR)
Upfront cash ≈ HK$20.46M (deposit + AVD stamp duty HK$1,965,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,610
−HK$9,257/mo
▼ 0.25% · 3.875%
HK$152,202
−HK$4,665/mo
Today · 4.125%
HK$156,867
baseline
▲ 0.50% · 4.625%
HK$166,412
+HK$9,545/mo
Deposit HK$13.87M · loan HK$32.37M · min. income ≈ HK$313,734/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,965,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,215
−HK$8,872/mo
▼ 0.25% · 3.875%
HK$168,619
−HK$4,468/mo
Today · 4.125%
HK$173,087
baseline
▲ 0.50% · 4.625%
HK$182,211
+HK$9,124/mo
Deposit HK$13.87M · loan HK$32.37M · min. income ≈ HK$346,174/mo (50% DSR)
Upfront cash ≈ HK$15.84M (deposit + AVD stamp duty HK$1,965,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,785
−HK$11,901/mo
▼ 0.25% · 3.875%
HK$195,688
−HK$5,998/mo
Today · 4.125%
HK$201,686
baseline
▲ 0.50% · 4.625%
HK$213,958
+HK$12,272/mo
Deposit HK$4.62M · loan HK$41.61M · min. income ≈ HK$403,372/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,965,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,134
−HK$11,407/mo
▼ 0.25% · 3.875%
HK$216,796
−HK$5,745/mo
Today · 4.125%
HK$222,541
baseline
▲ 0.50% · 4.625%
HK$234,271
+HK$11,730/mo
Deposit HK$4.62M · loan HK$41.61M · min. income ≈ HK$445,082/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,965,144 · Scale 2, in force from 26 Feb 2026)