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$103,029
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$106,234
−HK$3,256/mo
Today · 4.125%
HK$109,490
baseline
▲ 0.50% · 4.625%
HK$116,152
+HK$6,662/mo
Deposit HK$22.59M · loan HK$22.59M · min. income ≈ HK$218,980/mo (50% DSR)
Upfront cash ≈ HK$24.51M (deposit + AVD stamp duty HK$1,920,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,618
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$117,692
−HK$3,119/mo
Today · 4.125%
HK$120,811
baseline
▲ 0.50% · 4.625%
HK$127,179
+HK$6,368/mo
Deposit HK$22.59M · loan HK$22.59M · min. income ≈ HK$241,622/mo (50% DSR)
Upfront cash ≈ HK$24.51M (deposit + AVD stamp duty HK$1,920,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,635
−HK$7,753/mo
▼ 0.25% · 3.875%
HK$127,480
−HK$3,908/mo
Today · 4.125%
HK$131,388
baseline
▲ 0.50% · 4.625%
HK$139,382
+HK$7,994/mo
Deposit HK$18.07M · loan HK$27.11M · min. income ≈ HK$262,776/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,920,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,542
−HK$7,431/mo
▼ 0.25% · 3.875%
HK$141,231
−HK$3,742/mo
Today · 4.125%
HK$144,973
baseline
▲ 0.50% · 4.625%
HK$152,615
+HK$7,642/mo
Deposit HK$18.07M · loan HK$27.11M · min. income ≈ HK$289,946/mo (50% DSR)
Upfront cash ≈ HK$19.99M (deposit + AVD stamp duty HK$1,920,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,240
−HK$9,045/mo
▼ 0.25% · 3.875%
HK$148,727
−HK$4,558/mo
Today · 4.125%
HK$153,285
baseline
▲ 0.50% · 4.625%
HK$162,612
+HK$9,327/mo
Deposit HK$13.55M · loan HK$31.63M · min. income ≈ HK$306,570/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,920,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,466
−HK$8,669/mo
▼ 0.25% · 3.875%
HK$164,769
−HK$4,366/mo
Today · 4.125%
HK$169,135
baseline
▲ 0.50% · 4.625%
HK$178,051
+HK$8,916/mo
Deposit HK$13.55M · loan HK$31.63M · min. income ≈ HK$338,270/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,920,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,452
−HK$11,629/mo
▼ 0.25% · 3.875%
HK$191,220
−HK$5,861/mo
Today · 4.125%
HK$197,081
baseline
▲ 0.50% · 4.625%
HK$209,073
+HK$11,992/mo
Deposit HK$4.52M · loan HK$40.66M · min. income ≈ HK$394,162/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,920,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,313
−HK$11,147/mo
▼ 0.25% · 3.875%
HK$211,846
−HK$5,614/mo
Today · 4.125%
HK$217,460
baseline
▲ 0.50% · 4.625%
HK$228,922
+HK$11,462/mo
Deposit HK$4.52M · loan HK$40.66M · min. income ≈ HK$434,920/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,920,277 · Scale 2, in force from 26 Feb 2026)