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$102,945
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$106,147
−HK$3,254/mo
Today · 4.125%
HK$109,401
baseline
▲ 0.50% · 4.625%
HK$116,057
+HK$6,656/mo
Deposit HK$22.57M · loan HK$22.57M · min. income ≈ HK$218,802/mo (50% DSR)
Upfront cash ≈ HK$24.49M (deposit + AVD stamp duty HK$1,918,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,525
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$117,597
−HK$3,116/mo
Today · 4.125%
HK$120,713
baseline
▲ 0.50% · 4.625%
HK$127,076
+HK$6,363/mo
Deposit HK$22.57M · loan HK$22.57M · min. income ≈ HK$241,426/mo (50% DSR)
Upfront cash ≈ HK$24.49M (deposit + AVD stamp duty HK$1,918,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,534
−HK$7,747/mo
▼ 0.25% · 3.875%
HK$127,377
−HK$3,904/mo
Today · 4.125%
HK$131,281
baseline
▲ 0.50% · 4.625%
HK$139,269
+HK$7,988/mo
Deposit HK$18.06M · loan HK$27.09M · min. income ≈ HK$262,562/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$1,918,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,430
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$141,116
−HK$3,739/mo
Today · 4.125%
HK$144,855
baseline
▲ 0.50% · 4.625%
HK$152,491
+HK$7,636/mo
Deposit HK$18.06M · loan HK$27.09M · min. income ≈ HK$289,710/mo (50% DSR)
Upfront cash ≈ HK$19.98M (deposit + AVD stamp duty HK$1,918,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,123
−HK$9,038/mo
▼ 0.25% · 3.875%
HK$148,606
−HK$4,555/mo
Today · 4.125%
HK$153,161
baseline
▲ 0.50% · 4.625%
HK$162,480
+HK$9,319/mo
Deposit HK$13.54M · loan HK$31.60M · min. income ≈ HK$306,322/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,918,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,336
−HK$8,662/mo
▼ 0.25% · 3.875%
HK$164,636
−HK$4,362/mo
Today · 4.125%
HK$168,998
baseline
▲ 0.50% · 4.625%
HK$177,906
+HK$8,908/mo
Deposit HK$13.54M · loan HK$31.60M · min. income ≈ HK$337,996/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,918,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,301
−HK$11,620/mo
▼ 0.25% · 3.875%
HK$191,065
−HK$5,856/mo
Today · 4.125%
HK$196,921
baseline
▲ 0.50% · 4.625%
HK$208,903
+HK$11,982/mo
Deposit HK$4.51M · loan HK$40.63M · min. income ≈ HK$393,842/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,918,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,146
−HK$11,137/mo
▼ 0.25% · 3.875%
HK$211,674
−HK$5,609/mo
Today · 4.125%
HK$217,283
baseline
▲ 0.50% · 4.625%
HK$228,736
+HK$11,453/mo
Deposit HK$4.51M · loan HK$40.63M · min. income ≈ HK$434,566/mo (50% DSR)
Upfront cash ≈ HK$6.43M (deposit + AVD stamp duty HK$1,918,718 · Scale 2, in force from 26 Feb 2026)