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$103,090
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$106,297
−HK$3,258/mo
Today · 4.125%
HK$109,555
baseline
▲ 0.50% · 4.625%
HK$116,221
+HK$6,666/mo
Deposit HK$22.61M · loan HK$22.61M · min. income ≈ HK$219,110/mo (50% DSR)
Upfront cash ≈ HK$24.53M (deposit + AVD stamp duty HK$1,921,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,687
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$117,763
−HK$3,120/mo
Today · 4.125%
HK$120,883
baseline
▲ 0.50% · 4.625%
HK$127,255
+HK$6,372/mo
Deposit HK$22.61M · loan HK$22.61M · min. income ≈ HK$241,766/mo (50% DSR)
Upfront cash ≈ HK$24.53M (deposit + AVD stamp duty HK$1,921,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,708
−HK$7,758/mo
▼ 0.25% · 3.875%
HK$127,557
−HK$3,909/mo
Today · 4.125%
HK$131,466
baseline
▲ 0.50% · 4.625%
HK$139,465
+HK$7,999/mo
Deposit HK$18.08M · loan HK$27.13M · min. income ≈ HK$262,932/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,921,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,624
−HK$7,436/mo
▼ 0.25% · 3.875%
HK$141,315
−HK$3,745/mo
Today · 4.125%
HK$145,060
baseline
▲ 0.50% · 4.625%
HK$152,706
+HK$7,646/mo
Deposit HK$18.08M · loan HK$27.13M · min. income ≈ HK$290,120/mo (50% DSR)
Upfront cash ≈ HK$20.01M (deposit + AVD stamp duty HK$1,921,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,327
−HK$9,050/mo
▼ 0.25% · 3.875%
HK$148,816
−HK$4,561/mo
Today · 4.125%
HK$153,377
baseline
▲ 0.50% · 4.625%
HK$162,710
+HK$9,333/mo
Deposit HK$13.56M · loan HK$31.65M · min. income ≈ HK$306,754/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,921,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,562
−HK$8,675/mo
▼ 0.25% · 3.875%
HK$164,868
−HK$4,369/mo
Today · 4.125%
HK$169,237
baseline
▲ 0.50% · 4.625%
HK$178,157
+HK$8,920/mo
Deposit HK$13.56M · loan HK$31.65M · min. income ≈ HK$338,474/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,921,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,563
−HK$11,636/mo
▼ 0.25% · 3.875%
HK$191,335
−HK$5,864/mo
Today · 4.125%
HK$197,199
baseline
▲ 0.50% · 4.625%
HK$209,198
+HK$11,999/mo
Deposit HK$4.52M · loan HK$40.69M · min. income ≈ HK$394,398/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,921,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,437
−HK$11,153/mo
▼ 0.25% · 3.875%
HK$211,973
−HK$5,617/mo
Today · 4.125%
HK$217,590
baseline
▲ 0.50% · 4.625%
HK$229,059
+HK$11,469/mo
Deposit HK$4.52M · loan HK$40.69M · min. income ≈ HK$435,180/mo (50% DSR)
Upfront cash ≈ HK$6.44M (deposit + AVD stamp duty HK$1,921,426 · Scale 2, in force from 26 Feb 2026)