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$95,723
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$98,700
−HK$3,025/mo
Today · 4.125%
HK$101,725
baseline
▲ 0.50% · 4.625%
HK$107,915
+HK$6,190/mo
Deposit HK$20.99M · loan HK$20.99M · min. income ≈ HK$203,450/mo (50% DSR)
Upfront cash ≈ HK$22.77M (deposit + AVD stamp duty HK$1,784,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,490
−HK$5,754/mo
▼ 0.25% · 3.875%
HK$109,346
−HK$2,898/mo
Today · 4.125%
HK$112,244
baseline
▲ 0.50% · 4.625%
HK$118,160
+HK$5,916/mo
Deposit HK$20.99M · loan HK$20.99M · min. income ≈ HK$224,488/mo (50% DSR)
Upfront cash ≈ HK$22.77M (deposit + AVD stamp duty HK$1,784,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,867
−HK$7,203/mo
▼ 0.25% · 3.875%
HK$118,440
−HK$3,630/mo
Today · 4.125%
HK$122,070
baseline
▲ 0.50% · 4.625%
HK$129,498
+HK$7,428/mo
Deposit HK$16.79M · loan HK$25.19M · min. income ≈ HK$244,140/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,784,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,789
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$131,216
−HK$3,477/mo
Today · 4.125%
HK$134,693
baseline
▲ 0.50% · 4.625%
HK$141,792
+HK$7,099/mo
Deposit HK$16.79M · loan HK$25.19M · min. income ≈ HK$269,386/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,784,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,012
−HK$8,403/mo
▼ 0.25% · 3.875%
HK$138,180
−HK$4,235/mo
Today · 4.125%
HK$142,415
baseline
▲ 0.50% · 4.625%
HK$151,081
+HK$8,666/mo
Deposit HK$12.59M · loan HK$29.39M · min. income ≈ HK$284,830/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,784,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,087
−HK$8,054/mo
▼ 0.25% · 3.875%
HK$153,085
−HK$4,056/mo
Today · 4.125%
HK$157,141
baseline
▲ 0.50% · 4.625%
HK$165,424
+HK$8,283/mo
Deposit HK$12.59M · loan HK$29.39M · min. income ≈ HK$314,282/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,784,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,301
−HK$10,804/mo
▼ 0.25% · 3.875%
HK$177,660
−HK$5,445/mo
Today · 4.125%
HK$183,105
baseline
▲ 0.50% · 4.625%
HK$194,247
+HK$11,142/mo
Deposit HK$4.20M · loan HK$37.78M · min. income ≈ HK$366,210/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,784,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,683
−HK$10,356/mo
▼ 0.25% · 3.875%
HK$196,824
−HK$5,215/mo
Today · 4.125%
HK$202,039
baseline
▲ 0.50% · 4.625%
HK$212,689
+HK$10,650/mo
Deposit HK$4.20M · loan HK$37.78M · min. income ≈ HK$404,078/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,784,103 · Scale 2, in force from 26 Feb 2026)