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$105,616
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$108,901
−HK$3,338/mo
Today · 4.125%
HK$112,239
baseline
▲ 0.50% · 4.625%
HK$119,068
+HK$6,829/mo
Deposit HK$23.16M · loan HK$23.16M · min. income ≈ HK$224,478/mo (50% DSR)
Upfront cash ≈ HK$25.13M (deposit + AVD stamp duty HK$1,968,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,497
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,648
−HK$3,197/mo
Today · 4.125%
HK$123,845
baseline
▲ 0.50% · 4.625%
HK$130,373
+HK$6,528/mo
Deposit HK$23.16M · loan HK$23.16M · min. income ≈ HK$247,690/mo (50% DSR)
Upfront cash ≈ HK$25.13M (deposit + AVD stamp duty HK$1,968,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,739
−HK$7,948/mo
▼ 0.25% · 3.875%
HK$130,681
−HK$4,006/mo
Today · 4.125%
HK$134,687
baseline
▲ 0.50% · 4.625%
HK$142,882
+HK$8,195/mo
Deposit HK$18.53M · loan HK$27.79M · min. income ≈ HK$269,374/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$1,968,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,996
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$144,777
−HK$3,836/mo
Today · 4.125%
HK$148,613
baseline
▲ 0.50% · 4.625%
HK$156,447
+HK$7,834/mo
Deposit HK$18.53M · loan HK$27.79M · min. income ≈ HK$297,226/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$1,968,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,862
−HK$9,272/mo
▼ 0.25% · 3.875%
HK$152,461
−HK$4,673/mo
Today · 4.125%
HK$157,134
baseline
▲ 0.50% · 4.625%
HK$166,696
+HK$9,562/mo
Deposit HK$13.90M · loan HK$32.42M · min. income ≈ HK$314,268/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,968,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,495
−HK$8,887/mo
▼ 0.25% · 3.875%
HK$168,907
−HK$4,475/mo
Today · 4.125%
HK$173,382
baseline
▲ 0.50% · 4.625%
HK$182,522
+HK$9,140/mo
Deposit HK$13.90M · loan HK$32.42M · min. income ≈ HK$346,764/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,968,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,108
−HK$11,922/mo
▼ 0.25% · 3.875%
HK$196,022
−HK$6,008/mo
Today · 4.125%
HK$202,030
baseline
▲ 0.50% · 4.625%
HK$214,323
+HK$12,293/mo
Deposit HK$4.63M · loan HK$41.69M · min. income ≈ HK$404,060/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,968,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,494
−HK$11,426/mo
▼ 0.25% · 3.875%
HK$217,166
−HK$5,754/mo
Today · 4.125%
HK$222,920
baseline
▲ 0.50% · 4.625%
HK$234,671
+HK$11,751/mo
Deposit HK$4.63M · loan HK$41.69M · min. income ≈ HK$445,840/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,968,495 · Scale 2, in force from 26 Feb 2026)