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$105,773
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$109,063
−HK$3,343/mo
Today · 4.125%
HK$112,406
baseline
▲ 0.50% · 4.625%
HK$119,246
+HK$6,840/mo
Deposit HK$23.19M · loan HK$23.19M · min. income ≈ HK$224,812/mo (50% DSR)
Upfront cash ≈ HK$25.16M (deposit + AVD stamp duty HK$1,971,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,672
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$120,828
−HK$3,201/mo
Today · 4.125%
HK$124,029
baseline
▲ 0.50% · 4.625%
HK$130,567
+HK$6,538/mo
Deposit HK$23.19M · loan HK$23.19M · min. income ≈ HK$248,058/mo (50% DSR)
Upfront cash ≈ HK$25.16M (deposit + AVD stamp duty HK$1,971,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,928
−HK$7,959/mo
▼ 0.25% · 3.875%
HK$130,876
−HK$4,011/mo
Today · 4.125%
HK$134,887
baseline
▲ 0.50% · 4.625%
HK$143,095
+HK$8,208/mo
Deposit HK$18.55M · loan HK$27.83M · min. income ≈ HK$269,774/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,971,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,206
−HK$7,629/mo
▼ 0.25% · 3.875%
HK$144,993
−HK$3,842/mo
Today · 4.125%
HK$148,835
baseline
▲ 0.50% · 4.625%
HK$156,680
+HK$7,845/mo
Deposit HK$18.55M · loan HK$27.83M · min. income ≈ HK$297,670/mo (50% DSR)
Upfront cash ≈ HK$20.53M (deposit + AVD stamp duty HK$1,971,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,083
−HK$9,286/mo
▼ 0.25% · 3.875%
HK$152,689
−HK$4,680/mo
Today · 4.125%
HK$157,369
baseline
▲ 0.50% · 4.625%
HK$166,944
+HK$9,575/mo
Deposit HK$13.92M · loan HK$32.47M · min. income ≈ HK$314,738/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,971,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,740
−HK$8,901/mo
▼ 0.25% · 3.875%
HK$169,159
−HK$4,482/mo
Today · 4.125%
HK$173,641
baseline
▲ 0.50% · 4.625%
HK$182,794
+HK$9,153/mo
Deposit HK$13.92M · loan HK$32.47M · min. income ≈ HK$347,282/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,971,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,392
−HK$11,939/mo
▼ 0.25% · 3.875%
HK$196,314
−HK$6,017/mo
Today · 4.125%
HK$202,331
baseline
▲ 0.50% · 4.625%
HK$214,642
+HK$12,311/mo
Deposit HK$4.64M · loan HK$41.75M · min. income ≈ HK$404,662/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,971,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,809
−HK$11,443/mo
▼ 0.25% · 3.875%
HK$217,490
−HK$5,762/mo
Today · 4.125%
HK$223,252
baseline
▲ 0.50% · 4.625%
HK$235,020
+HK$11,768/mo
Deposit HK$4.64M · loan HK$41.75M · min. income ≈ HK$446,504/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,971,429 · Scale 2, in force from 26 Feb 2026)