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$98,168
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$101,222
−HK$3,102/mo
Today · 4.125%
HK$104,324
baseline
▲ 0.50% · 4.625%
HK$110,672
+HK$6,348/mo
Deposit HK$21.53M · loan HK$21.53M · min. income ≈ HK$208,648/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$1,829,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,211
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,140
−HK$2,971/mo
Today · 4.125%
HK$115,111
baseline
▲ 0.50% · 4.625%
HK$121,179
+HK$6,068/mo
Deposit HK$21.53M · loan HK$21.53M · min. income ≈ HK$230,222/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$1,829,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,802
−HK$7,387/mo
▼ 0.25% · 3.875%
HK$121,466
−HK$3,723/mo
Today · 4.125%
HK$125,189
baseline
▲ 0.50% · 4.625%
HK$132,806
+HK$7,617/mo
Deposit HK$17.22M · loan HK$25.83M · min. income ≈ HK$250,378/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,829,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,053
−HK$7,081/mo
▼ 0.25% · 3.875%
HK$134,568
−HK$3,566/mo
Today · 4.125%
HK$138,134
baseline
▲ 0.50% · 4.625%
HK$145,415
+HK$7,281/mo
Deposit HK$17.22M · loan HK$25.83M · min. income ≈ HK$276,268/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,829,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,435
−HK$8,619/mo
▼ 0.25% · 3.875%
HK$141,710
−HK$4,344/mo
Today · 4.125%
HK$146,054
baseline
▲ 0.50% · 4.625%
HK$154,941
+HK$8,887/mo
Deposit HK$12.92M · loan HK$30.14M · min. income ≈ HK$292,108/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,829,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,896
−HK$8,260/mo
▼ 0.25% · 3.875%
HK$156,996
−HK$4,160/mo
Today · 4.125%
HK$161,156
baseline
▲ 0.50% · 4.625%
HK$169,651
+HK$8,495/mo
Deposit HK$12.92M · loan HK$30.14M · min. income ≈ HK$322,312/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,829,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,703
−HK$11,081/mo
▼ 0.25% · 3.875%
HK$182,199
−HK$5,585/mo
Today · 4.125%
HK$187,784
baseline
▲ 0.50% · 4.625%
HK$199,210
+HK$11,426/mo
Deposit HK$4.31M · loan HK$38.75M · min. income ≈ HK$375,568/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,829,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,580
−HK$10,621/mo
▼ 0.25% · 3.875%
HK$201,852
−HK$5,349/mo
Today · 4.125%
HK$207,201
baseline
▲ 0.50% · 4.625%
HK$218,122
+HK$10,921/mo
Deposit HK$4.31M · loan HK$38.75M · min. income ≈ HK$414,402/mo (50% DSR)
Upfront cash ≈ HK$6.13M (deposit + AVD stamp duty HK$1,829,684 · Scale 2, in force from 26 Feb 2026)