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$96,489
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$99,490
−HK$3,050/mo
Today · 4.125%
HK$102,540
baseline
▲ 0.50% · 4.625%
HK$108,779
+HK$6,239/mo
Deposit HK$21.16M · loan HK$21.16M · min. income ≈ HK$205,080/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$1,798,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,343
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$110,222
−HK$2,920/mo
Today · 4.125%
HK$113,142
baseline
▲ 0.50% · 4.625%
HK$119,106
+HK$5,964/mo
Deposit HK$21.16M · loan HK$21.16M · min. income ≈ HK$226,284/mo (50% DSR)
Upfront cash ≈ HK$22.96M (deposit + AVD stamp duty HK$1,798,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,787
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$119,388
−HK$3,660/mo
Today · 4.125%
HK$123,048
baseline
▲ 0.50% · 4.625%
HK$130,535
+HK$7,487/mo
Deposit HK$16.93M · loan HK$25.39M · min. income ≈ HK$246,096/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,798,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,812
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$132,266
−HK$3,505/mo
Today · 4.125%
HK$135,771
baseline
▲ 0.50% · 4.625%
HK$142,928
+HK$7,157/mo
Deposit HK$16.93M · loan HK$25.39M · min. income ≈ HK$271,542/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,798,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,085
−HK$8,471/mo
▼ 0.25% · 3.875%
HK$139,286
−HK$4,270/mo
Today · 4.125%
HK$143,556
baseline
▲ 0.50% · 4.625%
HK$152,291
+HK$8,735/mo
Deposit HK$12.69M · loan HK$29.62M · min. income ≈ HK$287,112/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,798,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,280
−HK$8,119/mo
▼ 0.25% · 3.875%
HK$154,311
−HK$4,088/mo
Today · 4.125%
HK$158,399
baseline
▲ 0.50% · 4.625%
HK$166,749
+HK$8,350/mo
Deposit HK$12.69M · loan HK$29.62M · min. income ≈ HK$316,798/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,798,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,680
−HK$10,891/mo
▼ 0.25% · 3.875%
HK$179,083
−HK$5,488/mo
Today · 4.125%
HK$184,571
baseline
▲ 0.50% · 4.625%
HK$195,802
+HK$11,231/mo
Deposit HK$4.23M · loan HK$38.08M · min. income ≈ HK$369,142/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,798,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,217
−HK$10,439/mo
▼ 0.25% · 3.875%
HK$198,399
−HK$5,257/mo
Today · 4.125%
HK$203,656
baseline
▲ 0.50% · 4.625%
HK$214,391
+HK$10,735/mo
Deposit HK$4.23M · loan HK$38.08M · min. income ≈ HK$407,312/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,798,386 · Scale 2, in force from 26 Feb 2026)