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$100,230
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$103,348
−HK$3,168/mo
Today · 4.125%
HK$106,516
baseline
▲ 0.50% · 4.625%
HK$112,997
+HK$6,481/mo
Deposit HK$21.98M · loan HK$21.98M · min. income ≈ HK$213,032/mo (50% DSR)
Upfront cash ≈ HK$23.85M (deposit + AVD stamp duty HK$1,868,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,505
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$114,496
−HK$3,034/mo
Today · 4.125%
HK$117,530
baseline
▲ 0.50% · 4.625%
HK$123,725
+HK$6,195/mo
Deposit HK$21.98M · loan HK$21.98M · min. income ≈ HK$235,060/mo (50% DSR)
Upfront cash ≈ HK$23.85M (deposit + AVD stamp duty HK$1,868,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,276
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$124,018
−HK$3,801/mo
Today · 4.125%
HK$127,819
baseline
▲ 0.50% · 4.625%
HK$135,596
+HK$7,777/mo
Deposit HK$17.58M · loan HK$26.37M · min. income ≈ HK$255,638/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,868,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,806
−HK$7,229/mo
▼ 0.25% · 3.875%
HK$137,395
−HK$3,640/mo
Today · 4.125%
HK$141,035
baseline
▲ 0.50% · 4.625%
HK$148,470
+HK$7,435/mo
Deposit HK$17.58M · loan HK$26.37M · min. income ≈ HK$282,070/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,868,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,322
−HK$8,800/mo
▼ 0.25% · 3.875%
HK$144,687
−HK$4,435/mo
Today · 4.125%
HK$149,122
baseline
▲ 0.50% · 4.625%
HK$158,196
+HK$9,074/mo
Deposit HK$13.19M · loan HK$30.77M · min. income ≈ HK$298,244/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,868,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,107
−HK$8,434/mo
▼ 0.25% · 3.875%
HK$160,294
−HK$4,247/mo
Today · 4.125%
HK$164,541
baseline
▲ 0.50% · 4.625%
HK$173,215
+HK$8,674/mo
Deposit HK$13.19M · loan HK$30.77M · min. income ≈ HK$329,082/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,868,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,415
−HK$11,313/mo
▼ 0.25% · 3.875%
HK$186,027
−HK$5,701/mo
Today · 4.125%
HK$191,728
baseline
▲ 0.50% · 4.625%
HK$203,394
+HK$11,666/mo
Deposit HK$4.40M · loan HK$39.56M · min. income ≈ HK$383,456/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,868,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,709
−HK$10,844/mo
▼ 0.25% · 3.875%
HK$206,092
−HK$5,461/mo
Today · 4.125%
HK$211,553
baseline
▲ 0.50% · 4.625%
HK$222,704
+HK$11,151/mo
Deposit HK$4.40M · loan HK$39.56M · min. income ≈ HK$423,106/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,868,119 · Scale 2, in force from 26 Feb 2026)