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$103,319
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$106,532
−HK$3,266/mo
Today · 4.125%
HK$109,798
baseline
▲ 0.50% · 4.625%
HK$116,478
+HK$6,680/mo
Deposit HK$22.66M · loan HK$22.66M · min. income ≈ HK$219,596/mo (50% DSR)
Upfront cash ≈ HK$24.58M (deposit + AVD stamp duty HK$1,925,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,941
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$118,023
−HK$3,128/mo
Today · 4.125%
HK$121,151
baseline
▲ 0.50% · 4.625%
HK$127,537
+HK$6,386/mo
Deposit HK$22.66M · loan HK$22.66M · min. income ≈ HK$242,302/mo (50% DSR)
Upfront cash ≈ HK$24.58M (deposit + AVD stamp duty HK$1,925,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,982
−HK$7,775/mo
▼ 0.25% · 3.875%
HK$127,839
−HK$3,918/mo
Today · 4.125%
HK$131,757
baseline
▲ 0.50% · 4.625%
HK$139,774
+HK$8,017/mo
Deposit HK$18.12M · loan HK$27.19M · min. income ≈ HK$263,514/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$1,925,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,929
−HK$7,452/mo
▼ 0.25% · 3.875%
HK$141,628
−HK$3,753/mo
Today · 4.125%
HK$145,381
baseline
▲ 0.50% · 4.625%
HK$153,044
+HK$7,663/mo
Deposit HK$18.12M · loan HK$27.19M · min. income ≈ HK$290,762/mo (50% DSR)
Upfront cash ≈ HK$20.05M (deposit + AVD stamp duty HK$1,925,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,646
−HK$9,071/mo
▼ 0.25% · 3.875%
HK$149,145
−HK$4,572/mo
Today · 4.125%
HK$153,717
baseline
▲ 0.50% · 4.625%
HK$163,070
+HK$9,353/mo
Deposit HK$13.59M · loan HK$31.72M · min. income ≈ HK$307,434/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,925,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,917
−HK$8,694/mo
▼ 0.25% · 3.875%
HK$165,233
−HK$4,378/mo
Today · 4.125%
HK$169,611
baseline
▲ 0.50% · 4.625%
HK$178,551
+HK$8,940/mo
Deposit HK$13.59M · loan HK$31.72M · min. income ≈ HK$339,222/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,925,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,973
−HK$11,663/mo
▼ 0.25% · 3.875%
HK$191,758
−HK$5,878/mo
Today · 4.125%
HK$197,636
baseline
▲ 0.50% · 4.625%
HK$209,661
+HK$12,025/mo
Deposit HK$4.53M · loan HK$40.78M · min. income ≈ HK$395,272/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$1,925,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,894
−HK$11,177/mo
▼ 0.25% · 3.875%
HK$212,442
−HK$5,629/mo
Today · 4.125%
HK$218,071
baseline
▲ 0.50% · 4.625%
HK$229,566
+HK$11,495/mo
Deposit HK$4.53M · loan HK$40.78M · min. income ≈ HK$436,142/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$1,925,678 · Scale 2, in force from 26 Feb 2026)