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$99,587
−HK$6,245/mo
▼ 0.25% · 3.875%
HK$102,685
−HK$3,147/mo
Today · 4.125%
HK$105,832
baseline
▲ 0.50% · 4.625%
HK$112,272
+HK$6,440/mo
Deposit HK$21.84M · loan HK$21.84M · min. income ≈ HK$211,664/mo (50% DSR)
Upfront cash ≈ HK$23.69M (deposit + AVD stamp duty HK$1,856,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,790
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$113,761
−HK$3,014/mo
Today · 4.125%
HK$116,775
baseline
▲ 0.50% · 4.625%
HK$122,931
+HK$6,156/mo
Deposit HK$21.84M · loan HK$21.84M · min. income ≈ HK$233,550/mo (50% DSR)
Upfront cash ≈ HK$23.69M (deposit + AVD stamp duty HK$1,856,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,505
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$123,222
−HK$3,776/mo
Today · 4.125%
HK$126,998
baseline
▲ 0.50% · 4.625%
HK$134,726
+HK$7,728/mo
Deposit HK$17.47M · loan HK$26.20M · min. income ≈ HK$253,996/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,856,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,948
−HK$7,182/mo
▼ 0.25% · 3.875%
HK$136,513
−HK$3,617/mo
Today · 4.125%
HK$140,130
baseline
▲ 0.50% · 4.625%
HK$147,517
+HK$7,387/mo
Deposit HK$17.47M · loan HK$26.20M · min. income ≈ HK$280,260/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,856,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,422
−HK$8,743/mo
▼ 0.25% · 3.875%
HK$143,759
−HK$4,406/mo
Today · 4.125%
HK$148,165
baseline
▲ 0.50% · 4.625%
HK$157,180
+HK$9,015/mo
Deposit HK$13.10M · loan HK$30.57M · min. income ≈ HK$296,330/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,856,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,105
−HK$8,380/mo
▼ 0.25% · 3.875%
HK$159,265
−HK$4,220/mo
Today · 4.125%
HK$163,485
baseline
▲ 0.50% · 4.625%
HK$172,103
+HK$8,618/mo
Deposit HK$13.10M · loan HK$30.57M · min. income ≈ HK$326,970/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,856,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,257
−HK$11,241/mo
▼ 0.25% · 3.875%
HK$184,833
−HK$5,665/mo
Today · 4.125%
HK$190,498
baseline
▲ 0.50% · 4.625%
HK$202,089
+HK$11,591/mo
Deposit HK$4.37M · loan HK$39.31M · min. income ≈ HK$380,996/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,856,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,421
−HK$10,774/mo
▼ 0.25% · 3.875%
HK$204,770
−HK$5,425/mo
Today · 4.125%
HK$210,195
baseline
▲ 0.50% · 4.625%
HK$221,275
+HK$11,080/mo
Deposit HK$4.37M · loan HK$39.31M · min. income ≈ HK$420,390/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,856,130 · Scale 2, in force from 26 Feb 2026)