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$104,985
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$108,251
−HK$3,318/mo
Today · 4.125%
HK$111,569
baseline
▲ 0.50% · 4.625%
HK$118,357
+HK$6,788/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$223,138/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,795
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$119,927
−HK$3,178/mo
Today · 4.125%
HK$123,105
baseline
▲ 0.50% · 4.625%
HK$129,594
+HK$6,489/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$246,210/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,982
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$129,901
−HK$3,981/mo
Today · 4.125%
HK$133,882
baseline
▲ 0.50% · 4.625%
HK$142,029
+HK$8,147/mo
Deposit HK$18.42M · loan HK$27.62M · min. income ≈ HK$267,764/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,154
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$143,913
−HK$3,813/mo
Today · 4.125%
HK$147,726
baseline
▲ 0.50% · 4.625%
HK$155,513
+HK$7,787/mo
Deposit HK$18.42M · loan HK$27.62M · min. income ≈ HK$295,452/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,979
−HK$9,217/mo
▼ 0.25% · 3.875%
HK$151,551
−HK$4,645/mo
Today · 4.125%
HK$156,196
baseline
▲ 0.50% · 4.625%
HK$165,700
+HK$9,504/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$312,392/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,513
−HK$8,834/mo
▼ 0.25% · 3.875%
HK$167,898
−HK$4,449/mo
Today · 4.125%
HK$172,347
baseline
▲ 0.50% · 4.625%
HK$181,432
+HK$9,085/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$344,694/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,973
−HK$11,851/mo
▼ 0.25% · 3.875%
HK$194,852
−HK$5,972/mo
Today · 4.125%
HK$200,824
baseline
▲ 0.50% · 4.625%
HK$213,043
+HK$12,219/mo
Deposit HK$4.60M · loan HK$41.44M · min. income ≈ HK$401,648/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,231
−HK$11,358/mo
▼ 0.25% · 3.875%
HK$215,869
−HK$5,720/mo
Today · 4.125%
HK$221,589
baseline
▲ 0.50% · 4.625%
HK$233,269
+HK$11,680/mo
Deposit HK$4.60M · loan HK$41.44M · min. income ≈ HK$443,178/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,742 · Scale 2, in force from 26 Feb 2026)