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$97,758
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$100,798
−HK$3,090/mo
Today · 4.125%
HK$103,888
baseline
▲ 0.50% · 4.625%
HK$110,209
+HK$6,321/mo
Deposit HK$21.44M · loan HK$21.44M · min. income ≈ HK$207,776/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$1,822,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,754
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$111,671
−HK$2,959/mo
Today · 4.125%
HK$114,630
baseline
▲ 0.50% · 4.625%
HK$120,672
+HK$6,042/mo
Deposit HK$21.44M · loan HK$21.44M · min. income ≈ HK$229,260/mo (50% DSR)
Upfront cash ≈ HK$23.26M (deposit + AVD stamp duty HK$1,822,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,309
−HK$7,356/mo
▼ 0.25% · 3.875%
HK$120,958
−HK$3,707/mo
Today · 4.125%
HK$124,665
baseline
▲ 0.50% · 4.625%
HK$132,251
+HK$7,586/mo
Deposit HK$17.15M · loan HK$25.72M · min. income ≈ HK$249,330/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,822,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,505
−HK$7,051/mo
▼ 0.25% · 3.875%
HK$134,005
−HK$3,551/mo
Today · 4.125%
HK$137,556
baseline
▲ 0.50% · 4.625%
HK$144,807
+HK$7,251/mo
Deposit HK$17.15M · loan HK$25.72M · min. income ≈ HK$275,112/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,822,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,861
−HK$8,582/mo
▼ 0.25% · 3.875%
HK$141,118
−HK$4,325/mo
Today · 4.125%
HK$145,443
baseline
▲ 0.50% · 4.625%
HK$154,293
+HK$8,850/mo
Deposit HK$12.86M · loan HK$30.01M · min. income ≈ HK$290,886/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,822,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,256
−HK$8,226/mo
▼ 0.25% · 3.875%
HK$156,340
−HK$4,142/mo
Today · 4.125%
HK$160,482
baseline
▲ 0.50% · 4.625%
HK$168,941
+HK$8,459/mo
Deposit HK$12.86M · loan HK$30.01M · min. income ≈ HK$320,964/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,822,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,964
−HK$11,034/mo
▼ 0.25% · 3.875%
HK$181,437
−HK$5,561/mo
Today · 4.125%
HK$186,998
baseline
▲ 0.50% · 4.625%
HK$198,377
+HK$11,379/mo
Deposit HK$4.29M · loan HK$38.58M · min. income ≈ HK$373,996/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,822,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,758
−HK$10,576/mo
▼ 0.25% · 3.875%
HK$201,008
−HK$5,326/mo
Today · 4.125%
HK$206,334
baseline
▲ 0.50% · 4.625%
HK$217,210
+HK$10,876/mo
Deposit HK$4.29M · loan HK$38.58M · min. income ≈ HK$412,668/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,822,032 · Scale 2, in force from 26 Feb 2026)