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$100,261
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$103,380
−HK$3,169/mo
Today · 4.125%
HK$106,549
baseline
▲ 0.50% · 4.625%
HK$113,032
+HK$6,483/mo
Deposit HK$21.98M · loan HK$21.98M · min. income ≈ HK$213,098/mo (50% DSR)
Upfront cash ≈ HK$23.85M (deposit + AVD stamp duty HK$1,868,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,540
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$114,531
−HK$3,035/mo
Today · 4.125%
HK$117,566
baseline
▲ 0.50% · 4.625%
HK$123,763
+HK$6,197/mo
Deposit HK$21.98M · loan HK$21.98M · min. income ≈ HK$235,132/mo (50% DSR)
Upfront cash ≈ HK$23.85M (deposit + AVD stamp duty HK$1,868,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,314
−HK$7,544/mo
▼ 0.25% · 3.875%
HK$124,056
−HK$3,802/mo
Today · 4.125%
HK$127,858
baseline
▲ 0.50% · 4.625%
HK$135,638
+HK$7,780/mo
Deposit HK$17.59M · loan HK$26.38M · min. income ≈ HK$255,716/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,868,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,848
−HK$7,231/mo
▼ 0.25% · 3.875%
HK$137,437
−HK$3,642/mo
Today · 4.125%
HK$141,079
baseline
▲ 0.50% · 4.625%
HK$148,516
+HK$7,437/mo
Deposit HK$17.59M · loan HK$26.38M · min. income ≈ HK$282,158/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,868,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,366
−HK$8,802/mo
▼ 0.25% · 3.875%
HK$144,732
−HK$4,436/mo
Today · 4.125%
HK$149,168
baseline
▲ 0.50% · 4.625%
HK$158,245
+HK$9,077/mo
Deposit HK$13.19M · loan HK$30.78M · min. income ≈ HK$298,336/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,868,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,156
−HK$8,436/mo
▼ 0.25% · 3.875%
HK$160,344
−HK$4,248/mo
Today · 4.125%
HK$164,592
baseline
▲ 0.50% · 4.625%
HK$173,268
+HK$8,676/mo
Deposit HK$13.19M · loan HK$30.78M · min. income ≈ HK$329,184/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,868,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,471
−HK$11,317/mo
▼ 0.25% · 3.875%
HK$186,084
−HK$5,704/mo
Today · 4.125%
HK$191,788
baseline
▲ 0.50% · 4.625%
HK$203,457
+HK$11,669/mo
Deposit HK$4.40M · loan HK$39.57M · min. income ≈ HK$383,576/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,868,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,772
−HK$10,847/mo
▼ 0.25% · 3.875%
HK$206,156
−HK$5,463/mo
Today · 4.125%
HK$211,619
baseline
▲ 0.50% · 4.625%
HK$222,773
+HK$11,154/mo
Deposit HK$4.40M · loan HK$39.57M · min. income ≈ HK$423,238/mo (50% DSR)
Upfront cash ≈ HK$6.27M (deposit + AVD stamp duty HK$1,868,698 · Scale 2, in force from 26 Feb 2026)