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$106,105
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$109,406
−HK$3,353/mo
Today · 4.125%
HK$112,759
baseline
▲ 0.50% · 4.625%
HK$119,620
+HK$6,861/mo
Deposit HK$23.27M · loan HK$23.27M · min. income ≈ HK$225,518/mo (50% DSR)
Upfront cash ≈ HK$25.24M (deposit + AVD stamp duty HK$1,977,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,041
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$121,207
−HK$3,211/mo
Today · 4.125%
HK$124,418
baseline
▲ 0.50% · 4.625%
HK$130,977
+HK$6,559/mo
Deposit HK$23.27M · loan HK$23.27M · min. income ≈ HK$248,836/mo (50% DSR)
Upfront cash ≈ HK$25.24M (deposit + AVD stamp duty HK$1,977,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,326
−HK$7,985/mo
▼ 0.25% · 3.875%
HK$131,287
−HK$4,024/mo
Today · 4.125%
HK$135,311
baseline
▲ 0.50% · 4.625%
HK$143,544
+HK$8,233/mo
Deposit HK$18.61M · loan HK$27.92M · min. income ≈ HK$270,622/mo (50% DSR)
Upfront cash ≈ HK$20.59M (deposit + AVD stamp duty HK$1,977,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,649
−HK$7,653/mo
▼ 0.25% · 3.875%
HK$145,448
−HK$3,854/mo
Today · 4.125%
HK$149,302
baseline
▲ 0.50% · 4.625%
HK$157,172
+HK$7,870/mo
Deposit HK$18.61M · loan HK$27.92M · min. income ≈ HK$298,604/mo (50% DSR)
Upfront cash ≈ HK$20.59M (deposit + AVD stamp duty HK$1,977,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,547
−HK$9,316/mo
▼ 0.25% · 3.875%
HK$153,168
−HK$4,695/mo
Today · 4.125%
HK$157,863
baseline
▲ 0.50% · 4.625%
HK$167,468
+HK$9,605/mo
Deposit HK$13.96M · loan HK$32.57M · min. income ≈ HK$315,726/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,977,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,257
−HK$8,929/mo
▼ 0.25% · 3.875%
HK$169,690
−HK$4,496/mo
Today · 4.125%
HK$174,186
baseline
▲ 0.50% · 4.625%
HK$183,367
+HK$9,181/mo
Deposit HK$13.96M · loan HK$32.57M · min. income ≈ HK$348,372/mo (50% DSR)
Upfront cash ≈ HK$15.94M (deposit + AVD stamp duty HK$1,977,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,989
−HK$11,977/mo
▼ 0.25% · 3.875%
HK$196,930
−HK$6,036/mo
Today · 4.125%
HK$202,966
baseline
▲ 0.50% · 4.625%
HK$215,316
+HK$12,350/mo
Deposit HK$4.65M · loan HK$41.88M · min. income ≈ HK$405,932/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$1,977,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,474
−HK$11,479/mo
▼ 0.25% · 3.875%
HK$218,172
−HK$5,781/mo
Today · 4.125%
HK$223,953
baseline
▲ 0.50% · 4.625%
HK$235,758
+HK$11,805/mo
Deposit HK$4.65M · loan HK$41.88M · min. income ≈ HK$447,906/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$1,977,617 · Scale 2, in force from 26 Feb 2026)