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$101,190
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$104,338
−HK$3,198/mo
Today · 4.125%
HK$107,536
baseline
▲ 0.50% · 4.625%
HK$114,079
+HK$6,543/mo
Deposit HK$22.19M · loan HK$22.19M · min. income ≈ HK$215,072/mo (50% DSR)
Upfront cash ≈ HK$24.07M (deposit + AVD stamp duty HK$1,886,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,573
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$115,592
−HK$3,063/mo
Today · 4.125%
HK$118,655
baseline
▲ 0.50% · 4.625%
HK$124,909
+HK$6,254/mo
Deposit HK$22.19M · loan HK$22.19M · min. income ≈ HK$237,310/mo (50% DSR)
Upfront cash ≈ HK$24.07M (deposit + AVD stamp duty HK$1,886,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,428
−HK$7,615/mo
▼ 0.25% · 3.875%
HK$125,205
−HK$3,838/mo
Today · 4.125%
HK$129,043
baseline
▲ 0.50% · 4.625%
HK$136,895
+HK$7,852/mo
Deposit HK$17.75M · loan HK$26.63M · min. income ≈ HK$258,086/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,886,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,088
−HK$7,298/mo
▼ 0.25% · 3.875%
HK$138,711
−HK$3,675/mo
Today · 4.125%
HK$142,386
baseline
▲ 0.50% · 4.625%
HK$149,891
+HK$7,505/mo
Deposit HK$17.75M · loan HK$26.63M · min. income ≈ HK$284,772/mo (50% DSR)
Upfront cash ≈ HK$19.64M (deposit + AVD stamp duty HK$1,886,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,666
−HK$8,884/mo
▼ 0.25% · 3.875%
HK$146,073
−HK$4,477/mo
Today · 4.125%
HK$150,550
baseline
▲ 0.50% · 4.625%
HK$159,710
+HK$9,160/mo
Deposit HK$13.31M · loan HK$31.06M · min. income ≈ HK$301,100/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,886,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,602
−HK$8,515/mo
▼ 0.25% · 3.875%
HK$161,829
−HK$4,288/mo
Today · 4.125%
HK$166,117
baseline
▲ 0.50% · 4.625%
HK$174,873
+HK$8,756/mo
Deposit HK$13.31M · loan HK$31.06M · min. income ≈ HK$332,234/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,886,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,142
−HK$11,422/mo
▼ 0.25% · 3.875%
HK$187,808
−HK$5,756/mo
Today · 4.125%
HK$193,564
baseline
▲ 0.50% · 4.625%
HK$205,342
+HK$11,778/mo
Deposit HK$4.44M · loan HK$39.94M · min. income ≈ HK$387,128/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,886,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,631
−HK$10,948/mo
▼ 0.25% · 3.875%
HK$208,066
−HK$5,513/mo
Today · 4.125%
HK$213,579
baseline
▲ 0.50% · 4.625%
HK$224,837
+HK$11,258/mo
Deposit HK$4.44M · loan HK$39.94M · min. income ≈ HK$427,158/mo (50% DSR)
Upfront cash ≈ HK$6.32M (deposit + AVD stamp duty HK$1,886,007 · Scale 2, in force from 26 Feb 2026)