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$105,055
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$108,323
−HK$3,320/mo
Today · 4.125%
HK$111,643
baseline
▲ 0.50% · 4.625%
HK$118,436
+HK$6,793/mo
Deposit HK$23.04M · loan HK$23.04M · min. income ≈ HK$223,286/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$1,958,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,872
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$120,007
−HK$3,180/mo
Today · 4.125%
HK$123,187
baseline
▲ 0.50% · 4.625%
HK$129,680
+HK$6,493/mo
Deposit HK$23.04M · loan HK$23.04M · min. income ≈ HK$246,374/mo (50% DSR)
Upfront cash ≈ HK$24.99M (deposit + AVD stamp duty HK$1,958,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,066
−HK$7,905/mo
▼ 0.25% · 3.875%
HK$129,987
−HK$3,984/mo
Today · 4.125%
HK$133,971
baseline
▲ 0.50% · 4.625%
HK$142,123
+HK$8,152/mo
Deposit HK$18.43M · loan HK$27.64M · min. income ≈ HK$267,942/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,958,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,247
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$144,008
−HK$3,816/mo
Today · 4.125%
HK$147,824
baseline
▲ 0.50% · 4.625%
HK$155,616
+HK$7,792/mo
Deposit HK$18.43M · loan HK$27.64M · min. income ≈ HK$295,648/mo (50% DSR)
Upfront cash ≈ HK$20.39M (deposit + AVD stamp duty HK$1,958,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,077
−HK$9,223/mo
▼ 0.25% · 3.875%
HK$151,652
−HK$4,648/mo
Today · 4.125%
HK$156,300
baseline
▲ 0.50% · 4.625%
HK$165,810
+HK$9,510/mo
Deposit HK$13.82M · loan HK$32.25M · min. income ≈ HK$312,600/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,958,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,621
−HK$8,840/mo
▼ 0.25% · 3.875%
HK$168,010
−HK$4,451/mo
Today · 4.125%
HK$172,461
baseline
▲ 0.50% · 4.625%
HK$181,552
+HK$9,091/mo
Deposit HK$13.82M · loan HK$32.25M · min. income ≈ HK$344,922/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,958,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,099
−HK$11,858/mo
▼ 0.25% · 3.875%
HK$194,981
−HK$5,976/mo
Today · 4.125%
HK$200,957
baseline
▲ 0.50% · 4.625%
HK$213,184
+HK$12,227/mo
Deposit HK$4.61M · loan HK$41.46M · min. income ≈ HK$401,914/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,958,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,370
−HK$11,366/mo
▼ 0.25% · 3.875%
HK$216,012
−HK$5,724/mo
Today · 4.125%
HK$221,736
baseline
▲ 0.50% · 4.625%
HK$233,424
+HK$11,688/mo
Deposit HK$4.61M · loan HK$41.46M · min. income ≈ HK$443,472/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,958,038 · Scale 2, in force from 26 Feb 2026)