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$108,168
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$111,533
−HK$3,418/mo
Today · 4.125%
HK$114,951
baseline
▲ 0.50% · 4.625%
HK$121,946
+HK$6,995/mo
Deposit HK$23.72M · loan HK$23.72M · min. income ≈ HK$229,902/mo (50% DSR)
Upfront cash ≈ HK$25.73M (deposit + AVD stamp duty HK$2,016,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,336
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$123,563
−HK$3,274/mo
Today · 4.125%
HK$126,837
baseline
▲ 0.50% · 4.625%
HK$133,523
+HK$6,686/mo
Deposit HK$23.72M · loan HK$23.72M · min. income ≈ HK$253,674/mo (50% DSR)
Upfront cash ≈ HK$25.73M (deposit + AVD stamp duty HK$2,016,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,802
−HK$8,139/mo
▼ 0.25% · 3.875%
HK$133,839
−HK$4,102/mo
Today · 4.125%
HK$137,941
baseline
▲ 0.50% · 4.625%
HK$146,335
+HK$8,394/mo
Deposit HK$18.97M · loan HK$28.46M · min. income ≈ HK$275,882/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$2,016,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,403
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$148,276
−HK$3,929/mo
Today · 4.125%
HK$152,205
baseline
▲ 0.50% · 4.625%
HK$160,227
+HK$8,022/mo
Deposit HK$18.97M · loan HK$28.46M · min. income ≈ HK$304,410/mo (50% DSR)
Upfront cash ≈ HK$20.99M (deposit + AVD stamp duty HK$2,016,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,435
−HK$9,496/mo
▼ 0.25% · 3.875%
HK$156,146
−HK$4,785/mo
Today · 4.125%
HK$160,931
baseline
▲ 0.50% · 4.625%
HK$170,724
+HK$9,793/mo
Deposit HK$14.23M · loan HK$33.21M · min. income ≈ HK$321,862/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,470
−HK$9,102/mo
▼ 0.25% · 3.875%
HK$172,988
−HK$4,584/mo
Today · 4.125%
HK$177,572
baseline
▲ 0.50% · 4.625%
HK$186,932
+HK$9,360/mo
Deposit HK$14.23M · loan HK$33.21M · min. income ≈ HK$355,144/mo (50% DSR)
Upfront cash ≈ HK$16.25M (deposit + AVD stamp duty HK$2,016,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,702
−HK$12,210/mo
▼ 0.25% · 3.875%
HK$200,759
−HK$6,153/mo
Today · 4.125%
HK$206,912
baseline
▲ 0.50% · 4.625%
HK$219,502
+HK$12,590/mo
Deposit HK$4.74M · loan HK$42.69M · min. income ≈ HK$413,824/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,604
−HK$11,703/mo
▼ 0.25% · 3.875%
HK$222,414
−HK$5,893/mo
Today · 4.125%
HK$228,307
baseline
▲ 0.50% · 4.625%
HK$240,341
+HK$12,034/mo
Deposit HK$4.74M · loan HK$42.69M · min. income ≈ HK$456,614/mo (50% DSR)
Upfront cash ≈ HK$6.76M (deposit + AVD stamp duty HK$2,016,062 · Scale 2, in force from 26 Feb 2026)