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$100,483
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$103,609
−HK$3,175/mo
Today · 4.125%
HK$106,784
baseline
▲ 0.50% · 4.625%
HK$113,282
+HK$6,498/mo
Deposit HK$22.03M · loan HK$22.03M · min. income ≈ HK$213,568/mo (50% DSR)
Upfront cash ≈ HK$23.91M (deposit + AVD stamp duty HK$1,872,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,786
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$114,784
−HK$3,042/mo
Today · 4.125%
HK$117,826
baseline
▲ 0.50% · 4.625%
HK$124,037
+HK$6,211/mo
Deposit HK$22.03M · loan HK$22.03M · min. income ≈ HK$235,652/mo (50% DSR)
Upfront cash ≈ HK$23.91M (deposit + AVD stamp duty HK$1,872,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,580
−HK$7,561/mo
▼ 0.25% · 3.875%
HK$124,330
−HK$3,811/mo
Today · 4.125%
HK$128,141
baseline
▲ 0.50% · 4.625%
HK$135,938
+HK$7,797/mo
Deposit HK$17.63M · loan HK$26.44M · min. income ≈ HK$256,282/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,872,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,144
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$137,741
−HK$3,650/mo
Today · 4.125%
HK$141,391
baseline
▲ 0.50% · 4.625%
HK$148,844
+HK$7,453/mo
Deposit HK$17.63M · loan HK$26.44M · min. income ≈ HK$282,782/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,872,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,676
−HK$8,822/mo
▼ 0.25% · 3.875%
HK$145,052
−HK$4,446/mo
Today · 4.125%
HK$149,498
baseline
▲ 0.50% · 4.625%
HK$158,595
+HK$9,097/mo
Deposit HK$13.22M · loan HK$30.85M · min. income ≈ HK$298,996/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,872,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,501
−HK$8,455/mo
▼ 0.25% · 3.875%
HK$160,698
−HK$4,258/mo
Today · 4.125%
HK$164,956
baseline
▲ 0.50% · 4.625%
HK$173,651
+HK$8,695/mo
Deposit HK$13.22M · loan HK$30.85M · min. income ≈ HK$329,912/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,872,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,870
−HK$11,342/mo
▼ 0.25% · 3.875%
HK$186,496
−HK$5,716/mo
Today · 4.125%
HK$192,212
baseline
▲ 0.50% · 4.625%
HK$203,907
+HK$11,695/mo
Deposit HK$4.41M · loan HK$39.66M · min. income ≈ HK$384,424/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,872,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,216
−HK$10,871/mo
▼ 0.25% · 3.875%
HK$206,612
−HK$5,475/mo
Today · 4.125%
HK$212,087
baseline
▲ 0.50% · 4.625%
HK$223,266
+HK$11,179/mo
Deposit HK$4.41M · loan HK$39.66M · min. income ≈ HK$424,174/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,872,830 · Scale 2, in force from 26 Feb 2026)