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$101,964
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$105,136
−HK$3,222/mo
Today · 4.125%
HK$108,358
baseline
▲ 0.50% · 4.625%
HK$114,952
+HK$6,594/mo
Deposit HK$22.36M · loan HK$22.36M · min. income ≈ HK$216,716/mo (50% DSR)
Upfront cash ≈ HK$24.26M (deposit + AVD stamp duty HK$1,900,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,434
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$116,477
−HK$3,086/mo
Today · 4.125%
HK$119,563
baseline
▲ 0.50% · 4.625%
HK$125,865
+HK$6,302/mo
Deposit HK$22.36M · loan HK$22.36M · min. income ≈ HK$239,126/mo (50% DSR)
Upfront cash ≈ HK$24.26M (deposit + AVD stamp duty HK$1,900,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,357
−HK$7,673/mo
▼ 0.25% · 3.875%
HK$126,163
−HK$3,867/mo
Today · 4.125%
HK$130,030
baseline
▲ 0.50% · 4.625%
HK$137,942
+HK$7,912/mo
Deposit HK$17.89M · loan HK$26.83M · min. income ≈ HK$260,060/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,900,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,121
−HK$7,354/mo
▼ 0.25% · 3.875%
HK$139,772
−HK$3,703/mo
Today · 4.125%
HK$143,475
baseline
▲ 0.50% · 4.625%
HK$151,038
+HK$7,563/mo
Deposit HK$17.89M · loan HK$26.83M · min. income ≈ HK$286,950/mo (50% DSR)
Upfront cash ≈ HK$19.79M (deposit + AVD stamp duty HK$1,900,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,750
−HK$8,952/mo
▼ 0.25% · 3.875%
HK$147,190
−HK$4,512/mo
Today · 4.125%
HK$151,702
baseline
▲ 0.50% · 4.625%
HK$160,932
+HK$9,230/mo
Deposit HK$13.41M · loan HK$31.30M · min. income ≈ HK$303,404/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,900,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,808
−HK$8,580/mo
▼ 0.25% · 3.875%
HK$163,067
−HK$4,321/mo
Today · 4.125%
HK$167,388
baseline
▲ 0.50% · 4.625%
HK$176,211
+HK$8,823/mo
Deposit HK$13.41M · loan HK$31.30M · min. income ≈ HK$334,776/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,900,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,536
−HK$11,509/mo
▼ 0.25% · 3.875%
HK$189,245
−HK$5,800/mo
Today · 4.125%
HK$195,045
baseline
▲ 0.50% · 4.625%
HK$206,913
+HK$11,868/mo
Deposit HK$4.47M · loan HK$40.24M · min. income ≈ HK$390,090/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$1,900,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,182
−HK$11,031/mo
▼ 0.25% · 3.875%
HK$209,658
−HK$5,555/mo
Today · 4.125%
HK$215,213
baseline
▲ 0.50% · 4.625%
HK$226,557
+HK$11,344/mo
Deposit HK$4.47M · loan HK$40.24M · min. income ≈ HK$430,426/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$1,900,437 · Scale 2, in force from 26 Feb 2026)