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$96,532
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$99,535
−HK$3,051/mo
Today · 4.125%
HK$102,586
baseline
▲ 0.50% · 4.625%
HK$108,828
+HK$6,242/mo
Deposit HK$21.17M · loan HK$21.17M · min. income ≈ HK$205,172/mo (50% DSR)
Upfront cash ≈ HK$22.97M (deposit + AVD stamp duty HK$1,799,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,391
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$110,272
−HK$2,921/mo
Today · 4.125%
HK$113,193
baseline
▲ 0.50% · 4.625%
HK$119,160
+HK$5,967/mo
Deposit HK$21.17M · loan HK$21.17M · min. income ≈ HK$226,386/mo (50% DSR)
Upfront cash ≈ HK$22.97M (deposit + AVD stamp duty HK$1,799,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,839
−HK$7,264/mo
▼ 0.25% · 3.875%
HK$119,442
−HK$3,661/mo
Today · 4.125%
HK$123,103
baseline
▲ 0.50% · 4.625%
HK$130,594
+HK$7,491/mo
Deposit HK$16.93M · loan HK$25.40M · min. income ≈ HK$246,206/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,799,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,870
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$132,326
−HK$3,506/mo
Today · 4.125%
HK$135,832
baseline
▲ 0.50% · 4.625%
HK$142,992
+HK$7,160/mo
Deposit HK$16.93M · loan HK$25.40M · min. income ≈ HK$271,664/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,799,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,145
−HK$8,475/mo
▼ 0.25% · 3.875%
HK$139,349
−HK$4,271/mo
Today · 4.125%
HK$143,620
baseline
▲ 0.50% · 4.625%
HK$152,359
+HK$8,739/mo
Deposit HK$12.70M · loan HK$29.63M · min. income ≈ HK$287,240/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,799,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,348
−HK$8,123/mo
▼ 0.25% · 3.875%
HK$154,380
−HK$4,091/mo
Today · 4.125%
HK$158,471
baseline
▲ 0.50% · 4.625%
HK$166,824
+HK$8,353/mo
Deposit HK$12.70M · loan HK$29.63M · min. income ≈ HK$316,942/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,799,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,758
−HK$10,897/mo
▼ 0.25% · 3.875%
HK$179,163
−HK$5,492/mo
Today · 4.125%
HK$184,655
baseline
▲ 0.50% · 4.625%
HK$195,890
+HK$11,235/mo
Deposit HK$4.23M · loan HK$38.10M · min. income ≈ HK$369,310/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,799,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,305
−HK$10,443/mo
▼ 0.25% · 3.875%
HK$198,489
−HK$5,259/mo
Today · 4.125%
HK$203,748
baseline
▲ 0.50% · 4.625%
HK$214,488
+HK$10,740/mo
Deposit HK$4.23M · loan HK$38.10M · min. income ≈ HK$407,496/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,799,198 · Scale 2, in force from 26 Feb 2026)