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$102,330
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$105,513
−HK$3,234/mo
Today · 4.125%
HK$108,747
baseline
▲ 0.50% · 4.625%
HK$115,364
+HK$6,617/mo
Deposit HK$22.44M · loan HK$22.44M · min. income ≈ HK$217,494/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$1,907,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,841
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,894
−HK$3,098/mo
Today · 4.125%
HK$119,992
baseline
▲ 0.50% · 4.625%
HK$126,317
+HK$6,325/mo
Deposit HK$22.44M · loan HK$22.44M · min. income ≈ HK$239,984/mo (50% DSR)
Upfront cash ≈ HK$24.35M (deposit + AVD stamp duty HK$1,907,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,796
−HK$7,700/mo
▼ 0.25% · 3.875%
HK$126,616
−HK$3,880/mo
Today · 4.125%
HK$130,496
baseline
▲ 0.50% · 4.625%
HK$138,437
+HK$7,941/mo
Deposit HK$17.95M · loan HK$26.93M · min. income ≈ HK$260,992/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,907,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,609
−HK$7,381/mo
▼ 0.25% · 3.875%
HK$140,273
−HK$3,717/mo
Today · 4.125%
HK$143,990
baseline
▲ 0.50% · 4.625%
HK$151,580
+HK$7,590/mo
Deposit HK$17.95M · loan HK$26.93M · min. income ≈ HK$287,980/mo (50% DSR)
Upfront cash ≈ HK$19.86M (deposit + AVD stamp duty HK$1,907,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,262
−HK$8,984/mo
▼ 0.25% · 3.875%
HK$147,718
−HK$4,528/mo
Today · 4.125%
HK$152,246
baseline
▲ 0.50% · 4.625%
HK$161,510
+HK$9,264/mo
Deposit HK$13.46M · loan HK$31.41M · min. income ≈ HK$304,492/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,907,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,378
−HK$8,610/mo
▼ 0.25% · 3.875%
HK$163,652
−HK$4,336/mo
Today · 4.125%
HK$167,988
baseline
▲ 0.50% · 4.625%
HK$176,843
+HK$8,855/mo
Deposit HK$13.46M · loan HK$31.41M · min. income ≈ HK$335,976/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,907,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,194
−HK$11,551/mo
▼ 0.25% · 3.875%
HK$189,924
−HK$5,821/mo
Today · 4.125%
HK$195,745
baseline
▲ 0.50% · 4.625%
HK$207,655
+HK$11,910/mo
Deposit HK$4.49M · loan HK$40.39M · min. income ≈ HK$391,490/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,907,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,914
−HK$11,071/mo
▼ 0.25% · 3.875%
HK$210,410
−HK$5,575/mo
Today · 4.125%
HK$215,985
baseline
▲ 0.50% · 4.625%
HK$227,370
+HK$11,385/mo
Deposit HK$4.49M · loan HK$40.39M · min. income ≈ HK$431,970/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,907,254 · Scale 2, in force from 26 Feb 2026)