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$96,437
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$99,436
−HK$3,048/mo
Today · 4.125%
HK$102,484
baseline
▲ 0.50% · 4.625%
HK$108,720
+HK$6,236/mo
Deposit HK$21.15M · loan HK$21.15M · min. income ≈ HK$204,968/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$1,797,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,285
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$110,162
−HK$2,919/mo
Today · 4.125%
HK$113,081
baseline
▲ 0.50% · 4.625%
HK$119,042
+HK$5,961/mo
Deposit HK$21.15M · loan HK$21.15M · min. income ≈ HK$226,162/mo (50% DSR)
Upfront cash ≈ HK$22.94M (deposit + AVD stamp duty HK$1,797,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,724
−HK$7,257/mo
▼ 0.25% · 3.875%
HK$119,324
−HK$3,657/mo
Today · 4.125%
HK$122,981
baseline
▲ 0.50% · 4.625%
HK$130,464
+HK$7,483/mo
Deposit HK$16.92M · loan HK$25.38M · min. income ≈ HK$245,962/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,797,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,742
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$132,195
−HK$3,502/mo
Today · 4.125%
HK$135,697
baseline
▲ 0.50% · 4.625%
HK$142,850
+HK$7,153/mo
Deposit HK$16.92M · loan HK$25.38M · min. income ≈ HK$271,394/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,797,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,011
−HK$8,467/mo
▼ 0.25% · 3.875%
HK$139,211
−HK$4,267/mo
Today · 4.125%
HK$143,478
baseline
▲ 0.50% · 4.625%
HK$152,208
+HK$8,730/mo
Deposit HK$12.69M · loan HK$29.60M · min. income ≈ HK$286,956/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,797,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,199
−HK$8,115/mo
▼ 0.25% · 3.875%
HK$154,227
−HK$4,087/mo
Today · 4.125%
HK$158,314
baseline
▲ 0.50% · 4.625%
HK$166,659
+HK$8,345/mo
Deposit HK$12.69M · loan HK$29.60M · min. income ≈ HK$316,628/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,797,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,586
−HK$10,885/mo
▼ 0.25% · 3.875%
HK$178,986
−HK$5,485/mo
Today · 4.125%
HK$184,471
baseline
▲ 0.50% · 4.625%
HK$195,696
+HK$11,225/mo
Deposit HK$4.23M · loan HK$38.06M · min. income ≈ HK$368,942/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,113
−HK$10,433/mo
▼ 0.25% · 3.875%
HK$198,292
−HK$5,254/mo
Today · 4.125%
HK$203,546
baseline
▲ 0.50% · 4.625%
HK$214,275
+HK$10,729/mo
Deposit HK$4.23M · loan HK$38.06M · min. income ≈ HK$407,092/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,412 · Scale 2, in force from 26 Feb 2026)