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$96,975
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$99,991
−HK$3,065/mo
Today · 4.125%
HK$103,056
baseline
▲ 0.50% · 4.625%
HK$109,326
+HK$6,270/mo
Deposit HK$21.26M · loan HK$21.26M · min. income ≈ HK$206,112/mo (50% DSR)
Upfront cash ≈ HK$23.07M (deposit + AVD stamp duty HK$1,807,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,883
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$110,777
−HK$2,935/mo
Today · 4.125%
HK$113,712
baseline
▲ 0.50% · 4.625%
HK$119,706
+HK$5,994/mo
Deposit HK$21.26M · loan HK$21.26M · min. income ≈ HK$227,424/mo (50% DSR)
Upfront cash ≈ HK$23.07M (deposit + AVD stamp duty HK$1,807,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,369
−HK$7,298/mo
▼ 0.25% · 3.875%
HK$119,989
−HK$3,678/mo
Today · 4.125%
HK$123,667
baseline
▲ 0.50% · 4.625%
HK$131,192
+HK$7,525/mo
Deposit HK$17.01M · loan HK$25.52M · min. income ≈ HK$247,334/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,807,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,460
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$132,932
−HK$3,522/mo
Today · 4.125%
HK$136,454
baseline
▲ 0.50% · 4.625%
HK$143,647
+HK$7,193/mo
Deposit HK$17.01M · loan HK$25.52M · min. income ≈ HK$272,908/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,807,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,764
−HK$8,514/mo
▼ 0.25% · 3.875%
HK$139,987
−HK$4,291/mo
Today · 4.125%
HK$144,278
baseline
▲ 0.50% · 4.625%
HK$153,057
+HK$8,779/mo
Deposit HK$12.76M · loan HK$29.77M · min. income ≈ HK$288,556/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,807,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,036
−HK$8,160/mo
▼ 0.25% · 3.875%
HK$155,087
−HK$4,109/mo
Today · 4.125%
HK$159,196
baseline
▲ 0.50% · 4.625%
HK$167,588
+HK$8,392/mo
Deposit HK$12.76M · loan HK$29.77M · min. income ≈ HK$318,392/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,807,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,554
−HK$10,946/mo
▼ 0.25% · 3.875%
HK$179,984
−HK$5,516/mo
Today · 4.125%
HK$185,500
baseline
▲ 0.50% · 4.625%
HK$196,787
+HK$11,287/mo
Deposit HK$4.25M · loan HK$38.28M · min. income ≈ HK$371,000/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,807,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,190
−HK$10,491/mo
▼ 0.25% · 3.875%
HK$199,398
−HK$5,283/mo
Today · 4.125%
HK$204,681
baseline
▲ 0.50% · 4.625%
HK$215,470
+HK$10,789/mo
Deposit HK$4.25M · loan HK$38.28M · min. income ≈ HK$409,362/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,807,436 · Scale 2, in force from 26 Feb 2026)