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$104,022
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$107,257
−HK$3,288/mo
Today · 4.125%
HK$110,545
baseline
▲ 0.50% · 4.625%
HK$117,271
+HK$6,726/mo
Deposit HK$22.81M · loan HK$22.81M · min. income ≈ HK$221,090/mo (50% DSR)
Upfront cash ≈ HK$24.75M (deposit + AVD stamp duty HK$1,938,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,723
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$118,827
−HK$3,148/mo
Today · 4.125%
HK$121,975
baseline
▲ 0.50% · 4.625%
HK$128,405
+HK$6,430/mo
Deposit HK$22.81M · loan HK$22.81M · min. income ≈ HK$243,950/mo (50% DSR)
Upfront cash ≈ HK$24.75M (deposit + AVD stamp duty HK$1,938,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,826
−HK$7,828/mo
▼ 0.25% · 3.875%
HK$128,709
−HK$3,945/mo
Today · 4.125%
HK$132,654
baseline
▲ 0.50% · 4.625%
HK$140,725
+HK$8,071/mo
Deposit HK$18.25M · loan HK$27.37M · min. income ≈ HK$265,308/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$1,938,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,868
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$142,592
−HK$3,778/mo
Today · 4.125%
HK$146,370
baseline
▲ 0.50% · 4.625%
HK$154,086
+HK$7,716/mo
Deposit HK$18.25M · loan HK$27.37M · min. income ≈ HK$292,740/mo (50% DSR)
Upfront cash ≈ HK$20.19M (deposit + AVD stamp duty HK$1,938,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,630
−HK$9,133/mo
▼ 0.25% · 3.875%
HK$150,160
−HK$4,603/mo
Today · 4.125%
HK$154,763
baseline
▲ 0.50% · 4.625%
HK$164,180
+HK$9,417/mo
Deposit HK$13.69M · loan HK$31.93M · min. income ≈ HK$309,526/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,938,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,012
−HK$8,753/mo
▼ 0.25% · 3.875%
HK$166,357
−HK$4,408/mo
Today · 4.125%
HK$170,765
baseline
▲ 0.50% · 4.625%
HK$179,767
+HK$9,002/mo
Deposit HK$13.69M · loan HK$31.93M · min. income ≈ HK$341,530/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,938,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,239
−HK$11,742/mo
▼ 0.25% · 3.875%
HK$193,063
−HK$5,918/mo
Today · 4.125%
HK$198,981
baseline
▲ 0.50% · 4.625%
HK$211,088
+HK$12,107/mo
Deposit HK$4.56M · loan HK$41.06M · min. income ≈ HK$397,962/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,938,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,302
−HK$11,254/mo
▼ 0.25% · 3.875%
HK$213,888
−HK$5,668/mo
Today · 4.125%
HK$219,556
baseline
▲ 0.50% · 4.625%
HK$231,129
+HK$11,573/mo
Deposit HK$4.56M · loan HK$41.06M · min. income ≈ HK$439,112/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$1,938,784 · Scale 2, in force from 26 Feb 2026)