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$105,136
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,407
−HK$3,322/mo
Today · 4.125%
HK$111,729
baseline
▲ 0.50% · 4.625%
HK$118,528
+HK$6,799/mo
Deposit HK$23.05M · loan HK$23.05M · min. income ≈ HK$223,458/mo (50% DSR)
Upfront cash ≈ HK$25.01M (deposit + AVD stamp duty HK$1,959,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,963
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$120,100
−HK$3,182/mo
Today · 4.125%
HK$123,282
baseline
▲ 0.50% · 4.625%
HK$129,781
+HK$6,499/mo
Deposit HK$23.05M · loan HK$23.05M · min. income ≈ HK$246,564/mo (50% DSR)
Upfront cash ≈ HK$25.01M (deposit + AVD stamp duty HK$1,959,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,164
−HK$7,911/mo
▼ 0.25% · 3.875%
HK$130,088
−HK$3,987/mo
Today · 4.125%
HK$134,075
baseline
▲ 0.50% · 4.625%
HK$142,234
+HK$8,159/mo
Deposit HK$18.44M · loan HK$27.66M · min. income ≈ HK$268,150/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,959,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,356
−HK$7,583/mo
▼ 0.25% · 3.875%
HK$144,120
−HK$3,819/mo
Today · 4.125%
HK$147,939
baseline
▲ 0.50% · 4.625%
HK$155,737
+HK$7,798/mo
Deposit HK$18.44M · loan HK$27.66M · min. income ≈ HK$295,878/mo (50% DSR)
Upfront cash ≈ HK$20.40M (deposit + AVD stamp duty HK$1,959,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,191
−HK$9,230/mo
▼ 0.25% · 3.875%
HK$151,770
−HK$4,651/mo
Today · 4.125%
HK$156,421
baseline
▲ 0.50% · 4.625%
HK$165,939
+HK$9,518/mo
Deposit HK$13.83M · loan HK$32.28M · min. income ≈ HK$312,842/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,749
−HK$8,846/mo
▼ 0.25% · 3.875%
HK$168,140
−HK$4,455/mo
Today · 4.125%
HK$172,595
baseline
▲ 0.50% · 4.625%
HK$181,693
+HK$9,098/mo
Deposit HK$13.83M · loan HK$32.28M · min. income ≈ HK$345,190/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,959,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,246
−HK$11,867/mo
▼ 0.25% · 3.875%
HK$195,132
−HK$5,981/mo
Today · 4.125%
HK$201,113
baseline
▲ 0.50% · 4.625%
HK$213,350
+HK$12,237/mo
Deposit HK$4.61M · loan HK$41.50M · min. income ≈ HK$402,226/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,534
−HK$11,374/mo
▼ 0.25% · 3.875%
HK$216,180
−HK$5,728/mo
Today · 4.125%
HK$221,908
baseline
▲ 0.50% · 4.625%
HK$233,605
+HK$11,697/mo
Deposit HK$4.61M · loan HK$41.50M · min. income ≈ HK$443,816/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$1,959,561 · Scale 2, in force from 26 Feb 2026)