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$96,229
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$99,222
−HK$3,041/mo
Today · 4.125%
HK$102,263
baseline
▲ 0.50% · 4.625%
HK$108,486
+HK$6,223/mo
Deposit HK$21.10M · loan HK$21.10M · min. income ≈ HK$204,526/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$1,793,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,054
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$109,925
−HK$2,912/mo
Today · 4.125%
HK$112,837
baseline
▲ 0.50% · 4.625%
HK$118,785
+HK$5,948/mo
Deposit HK$21.10M · loan HK$21.10M · min. income ≈ HK$225,674/mo (50% DSR)
Upfront cash ≈ HK$22.89M (deposit + AVD stamp duty HK$1,793,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,475
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$119,067
−HK$3,649/mo
Today · 4.125%
HK$122,716
baseline
▲ 0.50% · 4.625%
HK$130,183
+HK$7,467/mo
Deposit HK$16.88M · loan HK$25.32M · min. income ≈ HK$245,432/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,793,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,464
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$131,910
−HK$3,495/mo
Today · 4.125%
HK$135,405
baseline
▲ 0.50% · 4.625%
HK$142,542
+HK$7,137/mo
Deposit HK$16.88M · loan HK$25.32M · min. income ≈ HK$270,810/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,793,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,720
−HK$8,449/mo
▼ 0.25% · 3.875%
HK$138,911
−HK$4,258/mo
Today · 4.125%
HK$143,169
baseline
▲ 0.50% · 4.625%
HK$151,880
+HK$8,711/mo
Deposit HK$12.66M · loan HK$29.54M · min. income ≈ HK$286,338/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,793,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,875
−HK$8,097/mo
▼ 0.25% · 3.875%
HK$153,895
−HK$4,077/mo
Today · 4.125%
HK$157,972
baseline
▲ 0.50% · 4.625%
HK$166,299
+HK$8,327/mo
Deposit HK$12.66M · loan HK$29.54M · min. income ≈ HK$315,944/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,793,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,212
−HK$10,862/mo
▼ 0.25% · 3.875%
HK$178,600
−HK$5,474/mo
Today · 4.125%
HK$184,074
baseline
▲ 0.50% · 4.625%
HK$195,274
+HK$11,200/mo
Deposit HK$4.22M · loan HK$37.98M · min. income ≈ HK$368,148/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,793,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,697
−HK$10,410/mo
▼ 0.25% · 3.875%
HK$197,865
−HK$5,242/mo
Today · 4.125%
HK$203,107
baseline
▲ 0.50% · 4.625%
HK$213,814
+HK$10,707/mo
Deposit HK$4.22M · loan HK$37.98M · min. income ≈ HK$406,214/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,793,539 · Scale 2, in force from 26 Feb 2026)