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$96,138
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$99,129
−HK$3,038/mo
Today · 4.125%
HK$102,167
baseline
▲ 0.50% · 4.625%
HK$108,384
+HK$6,217/mo
Deposit HK$21.08M · loan HK$21.08M · min. income ≈ HK$204,334/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$1,791,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,953
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$109,821
−HK$2,910/mo
Today · 4.125%
HK$112,731
baseline
▲ 0.50% · 4.625%
HK$118,673
+HK$5,942/mo
Deposit HK$21.08M · loan HK$21.08M · min. income ≈ HK$225,462/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$1,791,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,366
−HK$7,234/mo
▼ 0.25% · 3.875%
HK$118,955
−HK$3,645/mo
Today · 4.125%
HK$122,600
baseline
▲ 0.50% · 4.625%
HK$130,060
+HK$7,460/mo
Deposit HK$16.86M · loan HK$25.30M · min. income ≈ HK$245,200/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,791,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,343
−HK$6,934/mo
▼ 0.25% · 3.875%
HK$131,786
−HK$3,491/mo
Today · 4.125%
HK$135,277
baseline
▲ 0.50% · 4.625%
HK$142,408
+HK$7,131/mo
Deposit HK$16.86M · loan HK$25.30M · min. income ≈ HK$270,554/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,791,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,594
−HK$8,440/mo
▼ 0.25% · 3.875%
HK$138,780
−HK$4,254/mo
Today · 4.125%
HK$143,034
baseline
▲ 0.50% · 4.625%
HK$151,737
+HK$8,703/mo
Deposit HK$12.65M · loan HK$29.51M · min. income ≈ HK$286,068/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,791,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,734
−HK$8,090/mo
▼ 0.25% · 3.875%
HK$153,750
−HK$4,074/mo
Today · 4.125%
HK$157,824
baseline
▲ 0.50% · 4.625%
HK$166,143
+HK$8,319/mo
Deposit HK$12.65M · loan HK$29.51M · min. income ≈ HK$315,648/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,791,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,049
−HK$10,852/mo
▼ 0.25% · 3.875%
HK$178,432
−HK$5,469/mo
Today · 4.125%
HK$183,901
baseline
▲ 0.50% · 4.625%
HK$195,091
+HK$11,190/mo
Deposit HK$4.22M · loan HK$37.95M · min. income ≈ HK$367,802/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,791,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,515
−HK$10,401/mo
▼ 0.25% · 3.875%
HK$197,678
−HK$5,238/mo
Today · 4.125%
HK$202,916
baseline
▲ 0.50% · 4.625%
HK$213,612
+HK$10,696/mo
Deposit HK$4.22M · loan HK$37.95M · min. income ≈ HK$405,832/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,791,851 · Scale 2, in force from 26 Feb 2026)