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$95,938
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$98,922
−HK$3,032/mo
Today · 4.125%
HK$101,954
baseline
▲ 0.50% · 4.625%
HK$108,157
+HK$6,203/mo
Deposit HK$21.04M · loan HK$21.04M · min. income ≈ HK$203,908/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,788,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,730
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$109,592
−HK$2,904/mo
Today · 4.125%
HK$112,496
baseline
▲ 0.50% · 4.625%
HK$118,426
+HK$5,930/mo
Deposit HK$21.04M · loan HK$21.04M · min. income ≈ HK$224,992/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,788,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,125
−HK$7,220/mo
▼ 0.25% · 3.875%
HK$118,706
−HK$3,639/mo
Today · 4.125%
HK$122,345
baseline
▲ 0.50% · 4.625%
HK$129,789
+HK$7,444/mo
Deposit HK$16.83M · loan HK$25.24M · min. income ≈ HK$244,690/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,788,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,076
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$131,511
−HK$3,484/mo
Today · 4.125%
HK$134,995
baseline
▲ 0.50% · 4.625%
HK$142,111
+HK$7,116/mo
Deposit HK$16.83M · loan HK$25.24M · min. income ≈ HK$269,990/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,788,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,313
−HK$8,422/mo
▼ 0.25% · 3.875%
HK$138,491
−HK$4,244/mo
Today · 4.125%
HK$142,735
baseline
▲ 0.50% · 4.625%
HK$151,420
+HK$8,685/mo
Deposit HK$12.62M · loan HK$29.45M · min. income ≈ HK$285,470/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,788,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,422
−HK$8,072/mo
▼ 0.25% · 3.875%
HK$153,429
−HK$4,065/mo
Today · 4.125%
HK$157,494
baseline
▲ 0.50% · 4.625%
HK$165,796
+HK$8,302/mo
Deposit HK$12.62M · loan HK$29.45M · min. income ≈ HK$314,988/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,788,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,688
−HK$10,829/mo
▼ 0.25% · 3.875%
HK$178,059
−HK$5,458/mo
Today · 4.125%
HK$183,517
baseline
▲ 0.50% · 4.625%
HK$194,683
+HK$11,166/mo
Deposit HK$4.21M · loan HK$37.87M · min. income ≈ HK$367,034/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,113
−HK$10,380/mo
▼ 0.25% · 3.875%
HK$197,266
−HK$5,227/mo
Today · 4.125%
HK$202,493
baseline
▲ 0.50% · 4.625%
HK$213,166
+HK$10,673/mo
Deposit HK$4.21M · loan HK$37.87M · min. income ≈ HK$404,986/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$1,788,111 · Scale 2, in force from 26 Feb 2026)