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$95,588
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$98,562
−HK$3,021/mo
Today · 4.125%
HK$101,583
baseline
▲ 0.50% · 4.625%
HK$107,764
+HK$6,181/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$203,166/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,341
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$109,193
−HK$2,893/mo
Today · 4.125%
HK$112,086
baseline
▲ 0.50% · 4.625%
HK$117,995
+HK$5,909/mo
Deposit HK$20.96M · loan HK$20.96M · min. income ≈ HK$224,172/mo (50% DSR)
Upfront cash ≈ HK$22.74M (deposit + AVD stamp duty HK$1,781,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,706
−HK$7,193/mo
▼ 0.25% · 3.875%
HK$118,274
−HK$3,625/mo
Today · 4.125%
HK$121,899
baseline
▲ 0.50% · 4.625%
HK$129,316
+HK$7,417/mo
Deposit HK$16.77M · loan HK$25.15M · min. income ≈ HK$243,798/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,609
−HK$6,895/mo
▼ 0.25% · 3.875%
HK$131,032
−HK$3,472/mo
Today · 4.125%
HK$134,504
baseline
▲ 0.50% · 4.625%
HK$141,594
+HK$7,090/mo
Deposit HK$16.77M · loan HK$25.15M · min. income ≈ HK$269,008/mo (50% DSR)
Upfront cash ≈ HK$18.55M (deposit + AVD stamp duty HK$1,781,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,824
−HK$8,392/mo
▼ 0.25% · 3.875%
HK$137,986
−HK$4,230/mo
Today · 4.125%
HK$142,216
baseline
▲ 0.50% · 4.625%
HK$150,869
+HK$8,653/mo
Deposit HK$12.58M · loan HK$29.34M · min. income ≈ HK$284,432/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,781,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,878
−HK$8,043/mo
▼ 0.25% · 3.875%
HK$152,870
−HK$4,051/mo
Today · 4.125%
HK$156,921
baseline
▲ 0.50% · 4.625%
HK$165,193
+HK$8,272/mo
Deposit HK$12.58M · loan HK$29.34M · min. income ≈ HK$313,842/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,781,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,059
−HK$10,790/mo
▼ 0.25% · 3.875%
HK$177,411
−HK$5,438/mo
Today · 4.125%
HK$182,849
baseline
▲ 0.50% · 4.625%
HK$193,975
+HK$11,126/mo
Deposit HK$4.19M · loan HK$37.73M · min. income ≈ HK$365,698/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,414
−HK$10,342/mo
▼ 0.25% · 3.875%
HK$196,548
−HK$5,208/mo
Today · 4.125%
HK$201,756
baseline
▲ 0.50% · 4.625%
HK$212,390
+HK$10,634/mo
Deposit HK$4.19M · loan HK$37.73M · min. income ≈ HK$403,512/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,781,602 · Scale 2, in force from 26 Feb 2026)