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$101,411
−HK$6,359/mo
▼ 0.25% · 3.875%
HK$104,565
−HK$3,205/mo
Today · 4.125%
HK$107,770
baseline
▲ 0.50% · 4.625%
HK$114,327
+HK$6,557/mo
Deposit HK$22.24M · loan HK$22.24M · min. income ≈ HK$215,540/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$1,890,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,818
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$115,844
−HK$3,069/mo
Today · 4.125%
HK$118,913
baseline
▲ 0.50% · 4.625%
HK$125,182
+HK$6,269/mo
Deposit HK$22.24M · loan HK$22.24M · min. income ≈ HK$237,826/mo (50% DSR)
Upfront cash ≈ HK$24.13M (deposit + AVD stamp duty HK$1,890,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,693
−HK$7,631/mo
▼ 0.25% · 3.875%
HK$125,478
−HK$3,846/mo
Today · 4.125%
HK$129,324
baseline
▲ 0.50% · 4.625%
HK$137,193
+HK$7,869/mo
Deposit HK$17.79M · loan HK$26.68M · min. income ≈ HK$258,648/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,890,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,382
−HK$7,314/mo
▼ 0.25% · 3.875%
HK$139,013
−HK$3,683/mo
Today · 4.125%
HK$142,696
baseline
▲ 0.50% · 4.625%
HK$150,218
+HK$7,522/mo
Deposit HK$17.79M · loan HK$26.68M · min. income ≈ HK$285,392/mo (50% DSR)
Upfront cash ≈ HK$19.68M (deposit + AVD stamp duty HK$1,890,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,975
−HK$8,903/mo
▼ 0.25% · 3.875%
HK$146,391
−HK$4,487/mo
Today · 4.125%
HK$150,878
baseline
▲ 0.50% · 4.625%
HK$160,058
+HK$9,180/mo
Deposit HK$13.34M · loan HK$31.13M · min. income ≈ HK$301,756/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,890,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,946
−HK$8,533/mo
▼ 0.25% · 3.875%
HK$162,182
−HK$4,297/mo
Today · 4.125%
HK$166,479
baseline
▲ 0.50% · 4.625%
HK$175,254
+HK$8,775/mo
Deposit HK$13.34M · loan HK$31.13M · min. income ≈ HK$332,958/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,890,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,539
−HK$11,447/mo
▼ 0.25% · 3.875%
HK$188,217
−HK$5,769/mo
Today · 4.125%
HK$193,986
baseline
▲ 0.50% · 4.625%
HK$205,789
+HK$11,803/mo
Deposit HK$4.45M · loan HK$40.03M · min. income ≈ HK$387,972/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,890,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,073
−HK$10,971/mo
▼ 0.25% · 3.875%
HK$208,519
−HK$5,525/mo
Today · 4.125%
HK$214,044
baseline
▲ 0.50% · 4.625%
HK$225,327
+HK$11,283/mo
Deposit HK$4.45M · loan HK$40.03M · min. income ≈ HK$428,088/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,890,117 · Scale 2, in force from 26 Feb 2026)