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$96,694
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$99,702
−HK$3,056/mo
Today · 4.125%
HK$102,758
baseline
▲ 0.50% · 4.625%
HK$109,010
+HK$6,252/mo
Deposit HK$21.20M · loan HK$21.20M · min. income ≈ HK$205,516/mo (50% DSR)
Upfront cash ≈ HK$23.00M (deposit + AVD stamp duty HK$1,802,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,571
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$110,456
−HK$2,927/mo
Today · 4.125%
HK$113,383
baseline
▲ 0.50% · 4.625%
HK$119,359
+HK$5,976/mo
Deposit HK$21.20M · loan HK$21.20M · min. income ≈ HK$226,766/mo (50% DSR)
Upfront cash ≈ HK$23.00M (deposit + AVD stamp duty HK$1,802,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,033
−HK$7,276/mo
▼ 0.25% · 3.875%
HK$119,642
−HK$3,667/mo
Today · 4.125%
HK$123,309
baseline
▲ 0.50% · 4.625%
HK$130,812
+HK$7,503/mo
Deposit HK$16.96M · loan HK$25.44M · min. income ≈ HK$246,618/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,802,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,085
−HK$6,974/mo
▼ 0.25% · 3.875%
HK$132,547
−HK$3,512/mo
Today · 4.125%
HK$136,059
baseline
▲ 0.50% · 4.625%
HK$143,231
+HK$7,172/mo
Deposit HK$16.96M · loan HK$25.44M · min. income ≈ HK$272,118/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,802,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,372
−HK$8,489/mo
▼ 0.25% · 3.875%
HK$139,582
−HK$4,279/mo
Today · 4.125%
HK$143,861
baseline
▲ 0.50% · 4.625%
HK$152,614
+HK$8,753/mo
Deposit HK$12.72M · loan HK$29.68M · min. income ≈ HK$287,722/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,802,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,599
−HK$8,137/mo
▼ 0.25% · 3.875%
HK$154,638
−HK$4,098/mo
Today · 4.125%
HK$158,736
baseline
▲ 0.50% · 4.625%
HK$167,103
+HK$8,367/mo
Deposit HK$12.72M · loan HK$29.68M · min. income ≈ HK$317,472/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,802,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,049
−HK$10,915/mo
▼ 0.25% · 3.875%
HK$179,463
−HK$5,501/mo
Today · 4.125%
HK$184,964
baseline
▲ 0.50% · 4.625%
HK$196,218
+HK$11,254/mo
Deposit HK$4.24M · loan HK$38.16M · min. income ≈ HK$369,928/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,802,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,628
−HK$10,461/mo
▼ 0.25% · 3.875%
HK$198,821
−HK$5,268/mo
Today · 4.125%
HK$204,089
baseline
▲ 0.50% · 4.625%
HK$214,847
+HK$10,758/mo
Deposit HK$4.24M · loan HK$38.16M · min. income ≈ HK$408,178/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,802,207 · Scale 2, in force from 26 Feb 2026)