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$96,001
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$98,987
−HK$3,034/mo
Today · 4.125%
HK$102,021
baseline
▲ 0.50% · 4.625%
HK$108,228
+HK$6,207/mo
Deposit HK$21.05M · loan HK$21.05M · min. income ≈ HK$204,042/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$1,789,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,800
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$109,664
−HK$2,906/mo
Today · 4.125%
HK$112,570
baseline
▲ 0.50% · 4.625%
HK$118,504
+HK$5,934/mo
Deposit HK$21.05M · loan HK$21.05M · min. income ≈ HK$225,140/mo (50% DSR)
Upfront cash ≈ HK$22.84M (deposit + AVD stamp duty HK$1,789,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,201
−HK$7,224/mo
▼ 0.25% · 3.875%
HK$118,784
−HK$3,641/mo
Today · 4.125%
HK$122,425
baseline
▲ 0.50% · 4.625%
HK$129,874
+HK$7,449/mo
Deposit HK$16.84M · loan HK$25.26M · min. income ≈ HK$244,850/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,789,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,160
−HK$6,924/mo
▼ 0.25% · 3.875%
HK$131,597
−HK$3,487/mo
Today · 4.125%
HK$135,084
baseline
▲ 0.50% · 4.625%
HK$142,204
+HK$7,120/mo
Deposit HK$16.84M · loan HK$25.26M · min. income ≈ HK$270,168/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,789,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,401
−HK$8,428/mo
▼ 0.25% · 3.875%
HK$138,582
−HK$4,247/mo
Today · 4.125%
HK$142,829
baseline
▲ 0.50% · 4.625%
HK$151,520
+HK$8,691/mo
Deposit HK$12.63M · loan HK$29.47M · min. income ≈ HK$285,658/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,789,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,520
−HK$8,078/mo
▼ 0.25% · 3.875%
HK$153,530
−HK$4,068/mo
Today · 4.125%
HK$157,598
baseline
▲ 0.50% · 4.625%
HK$165,905
+HK$8,307/mo
Deposit HK$12.63M · loan HK$29.47M · min. income ≈ HK$315,196/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,789,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,801
−HK$10,836/mo
▼ 0.25% · 3.875%
HK$178,176
−HK$5,461/mo
Today · 4.125%
HK$183,637
baseline
▲ 0.50% · 4.625%
HK$194,811
+HK$11,174/mo
Deposit HK$4.21M · loan HK$37.89M · min. income ≈ HK$367,274/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,789,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,240
−HK$10,386/mo
▼ 0.25% · 3.875%
HK$197,395
−HK$5,231/mo
Today · 4.125%
HK$202,626
baseline
▲ 0.50% · 4.625%
HK$213,306
+HK$10,680/mo
Deposit HK$4.21M · loan HK$37.89M · min. income ≈ HK$405,252/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,789,285 · Scale 2, in force from 26 Feb 2026)