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$100,145
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$103,260
−HK$3,165/mo
Today · 4.125%
HK$106,425
baseline
▲ 0.50% · 4.625%
HK$112,900
+HK$6,475/mo
Deposit HK$21.96M · loan HK$21.96M · min. income ≈ HK$212,850/mo (50% DSR)
Upfront cash ≈ HK$23.83M (deposit + AVD stamp duty HK$1,866,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,410
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$114,398
−HK$3,031/mo
Today · 4.125%
HK$117,429
baseline
▲ 0.50% · 4.625%
HK$123,619
+HK$6,190/mo
Deposit HK$21.96M · loan HK$21.96M · min. income ≈ HK$234,858/mo (50% DSR)
Upfront cash ≈ HK$23.83M (deposit + AVD stamp duty HK$1,866,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,173
−HK$7,536/mo
▼ 0.25% · 3.875%
HK$123,912
−HK$3,797/mo
Today · 4.125%
HK$127,709
baseline
▲ 0.50% · 4.625%
HK$135,480
+HK$7,771/mo
Deposit HK$17.57M · loan HK$26.35M · min. income ≈ HK$255,418/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$1,866,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,692
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$137,277
−HK$3,638/mo
Today · 4.125%
HK$140,915
baseline
▲ 0.50% · 4.625%
HK$148,343
+HK$7,428/mo
Deposit HK$17.57M · loan HK$26.35M · min. income ≈ HK$281,830/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$1,866,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,202
−HK$8,792/mo
▼ 0.25% · 3.875%
HK$144,563
−HK$4,431/mo
Today · 4.125%
HK$148,994
baseline
▲ 0.50% · 4.625%
HK$158,060
+HK$9,066/mo
Deposit HK$13.18M · loan HK$30.74M · min. income ≈ HK$297,988/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,866,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,974
−HK$8,427/mo
▼ 0.25% · 3.875%
HK$160,157
−HK$4,244/mo
Today · 4.125%
HK$164,401
baseline
▲ 0.50% · 4.625%
HK$173,066
+HK$8,665/mo
Deposit HK$13.18M · loan HK$30.74M · min. income ≈ HK$328,802/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,866,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,260
−HK$11,304/mo
▼ 0.25% · 3.875%
HK$185,867
−HK$5,697/mo
Today · 4.125%
HK$191,564
baseline
▲ 0.50% · 4.625%
HK$203,220
+HK$11,656/mo
Deposit HK$4.39M · loan HK$39.53M · min. income ≈ HK$383,128/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,866,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,538
−HK$10,834/mo
▼ 0.25% · 3.875%
HK$205,916
−HK$5,456/mo
Today · 4.125%
HK$211,372
baseline
▲ 0.50% · 4.625%
HK$222,514
+HK$11,142/mo
Deposit HK$4.39M · loan HK$39.53M · min. income ≈ HK$422,744/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,866,520 · Scale 2, in force from 26 Feb 2026)