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$99,505
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,600
−HK$3,145/mo
Today · 4.125%
HK$105,745
baseline
▲ 0.50% · 4.625%
HK$112,179
+HK$6,434/mo
Deposit HK$21.82M · loan HK$21.82M · min. income ≈ HK$211,490/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$1,854,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,698
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,667
−HK$3,012/mo
Today · 4.125%
HK$116,679
baseline
▲ 0.50% · 4.625%
HK$122,830
+HK$6,151/mo
Deposit HK$21.82M · loan HK$21.82M · min. income ≈ HK$233,358/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$1,854,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,406
−HK$7,488/mo
▼ 0.25% · 3.875%
HK$123,120
−HK$3,774/mo
Today · 4.125%
HK$126,894
baseline
▲ 0.50% · 4.625%
HK$134,615
+HK$7,721/mo
Deposit HK$17.46M · loan HK$26.18M · min. income ≈ HK$253,788/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,854,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,838
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$136,401
−HK$3,614/mo
Today · 4.125%
HK$140,015
baseline
▲ 0.50% · 4.625%
HK$147,395
+HK$7,380/mo
Deposit HK$17.46M · loan HK$26.18M · min. income ≈ HK$280,030/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,854,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,307
−HK$8,736/mo
▼ 0.25% · 3.875%
HK$143,640
−HK$4,403/mo
Today · 4.125%
HK$148,043
baseline
▲ 0.50% · 4.625%
HK$157,051
+HK$9,008/mo
Deposit HK$13.09M · loan HK$30.55M · min. income ≈ HK$296,086/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,854,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,978
−HK$8,373/mo
▼ 0.25% · 3.875%
HK$159,134
−HK$4,217/mo
Today · 4.125%
HK$163,351
baseline
▲ 0.50% · 4.625%
HK$171,961
+HK$8,610/mo
Deposit HK$13.09M · loan HK$30.55M · min. income ≈ HK$326,702/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,854,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,109
−HK$11,232/mo
▼ 0.25% · 3.875%
HK$184,681
−HK$5,660/mo
Today · 4.125%
HK$190,341
baseline
▲ 0.50% · 4.625%
HK$201,923
+HK$11,582/mo
Deposit HK$4.36M · loan HK$39.27M · min. income ≈ HK$380,682/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,854,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,257
−HK$10,766/mo
▼ 0.25% · 3.875%
HK$204,601
−HK$5,422/mo
Today · 4.125%
HK$210,023
baseline
▲ 0.50% · 4.625%
HK$221,093
+HK$11,070/mo
Deposit HK$4.36M · loan HK$39.27M · min. income ≈ HK$420,046/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,854,603 · Scale 2, in force from 26 Feb 2026)