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$98,122
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,174
−HK$3,101/mo
Today · 4.125%
HK$104,275
baseline
▲ 0.50% · 4.625%
HK$110,620
+HK$6,345/mo
Deposit HK$21.52M · loan HK$21.52M · min. income ≈ HK$208,550/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$1,828,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,159
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,087
−HK$2,970/mo
Today · 4.125%
HK$115,057
baseline
▲ 0.50% · 4.625%
HK$121,122
+HK$6,065/mo
Deposit HK$21.52M · loan HK$21.52M · min. income ≈ HK$230,114/mo (50% DSR)
Upfront cash ≈ HK$23.34M (deposit + AVD stamp duty HK$1,828,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,746
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$121,408
−HK$3,722/mo
Today · 4.125%
HK$125,130
baseline
▲ 0.50% · 4.625%
HK$132,743
+HK$7,613/mo
Deposit HK$17.21M · loan HK$25.82M · min. income ≈ HK$250,260/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,991
−HK$7,077/mo
▼ 0.25% · 3.875%
HK$134,504
−HK$3,564/mo
Today · 4.125%
HK$138,068
baseline
▲ 0.50% · 4.625%
HK$145,346
+HK$7,278/mo
Deposit HK$17.21M · loan HK$25.82M · min. income ≈ HK$276,136/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,828,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,370
−HK$8,615/mo
▼ 0.25% · 3.875%
HK$141,643
−HK$4,342/mo
Today · 4.125%
HK$145,985
baseline
▲ 0.50% · 4.625%
HK$154,867
+HK$8,882/mo
Deposit HK$12.91M · loan HK$30.12M · min. income ≈ HK$291,970/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,828,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,823
−HK$8,257/mo
▼ 0.25% · 3.875%
HK$156,922
−HK$4,158/mo
Today · 4.125%
HK$161,080
baseline
▲ 0.50% · 4.625%
HK$169,570
+HK$8,490/mo
Deposit HK$12.91M · loan HK$30.12M · min. income ≈ HK$322,160/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,828,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,619
−HK$11,075/mo
▼ 0.25% · 3.875%
HK$182,113
−HK$5,581/mo
Today · 4.125%
HK$187,694
baseline
▲ 0.50% · 4.625%
HK$199,115
+HK$11,421/mo
Deposit HK$4.30M · loan HK$38.73M · min. income ≈ HK$375,388/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,487
−HK$10,615/mo
▼ 0.25% · 3.875%
HK$201,756
−HK$5,346/mo
Today · 4.125%
HK$207,102
baseline
▲ 0.50% · 4.625%
HK$218,019
+HK$10,917/mo
Deposit HK$4.30M · loan HK$38.73M · min. income ≈ HK$414,204/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,828,815 · Scale 2, in force from 26 Feb 2026)