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$98,780
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$101,853
−HK$3,121/mo
Today · 4.125%
HK$104,974
baseline
▲ 0.50% · 4.625%
HK$111,362
+HK$6,388/mo
Deposit HK$21.66M · loan HK$21.66M · min. income ≈ HK$209,948/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$1,841,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,892
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$112,839
−HK$2,990/mo
Today · 4.125%
HK$115,829
baseline
▲ 0.50% · 4.625%
HK$121,934
+HK$6,105/mo
Deposit HK$21.66M · loan HK$21.66M · min. income ≈ HK$231,658/mo (50% DSR)
Upfront cash ≈ HK$23.50M (deposit + AVD stamp duty HK$1,841,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,536
−HK$7,433/mo
▼ 0.25% · 3.875%
HK$122,223
−HK$3,746/mo
Today · 4.125%
HK$125,969
baseline
▲ 0.50% · 4.625%
HK$133,634
+HK$7,665/mo
Deposit HK$17.33M · loan HK$25.99M · min. income ≈ HK$251,938/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,841,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,870
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$135,407
−HK$3,588/mo
Today · 4.125%
HK$138,995
baseline
▲ 0.50% · 4.625%
HK$146,321
+HK$7,326/mo
Deposit HK$17.33M · loan HK$25.99M · min. income ≈ HK$277,990/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,841,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,292
−HK$8,672/mo
▼ 0.25% · 3.875%
HK$142,594
−HK$4,370/mo
Today · 4.125%
HK$146,964
baseline
▲ 0.50% · 4.625%
HK$155,907
+HK$8,943/mo
Deposit HK$13.00M · loan HK$30.32M · min. income ≈ HK$293,928/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,841,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,848
−HK$8,312/mo
▼ 0.25% · 3.875%
HK$157,975
−HK$4,185/mo
Today · 4.125%
HK$162,160
baseline
▲ 0.50% · 4.625%
HK$170,708
+HK$8,548/mo
Deposit HK$13.00M · loan HK$30.32M · min. income ≈ HK$324,320/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,841,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,804
−HK$11,150/mo
▼ 0.25% · 3.875%
HK$183,335
−HK$5,619/mo
Today · 4.125%
HK$188,954
baseline
▲ 0.50% · 4.625%
HK$200,451
+HK$11,497/mo
Deposit HK$4.33M · loan HK$38.99M · min. income ≈ HK$377,908/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,841,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,805
−HK$10,687/mo
▼ 0.25% · 3.875%
HK$203,110
−HK$5,382/mo
Today · 4.125%
HK$208,492
baseline
▲ 0.50% · 4.625%
HK$219,482
+HK$10,990/mo
Deposit HK$4.33M · loan HK$38.99M · min. income ≈ HK$416,984/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$1,841,087 · Scale 2, in force from 26 Feb 2026)