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$99,791
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$102,895
−HK$3,154/mo
Today · 4.125%
HK$106,049
baseline
▲ 0.50% · 4.625%
HK$112,502
+HK$6,453/mo
Deposit HK$21.88M · loan HK$21.88M · min. income ≈ HK$212,098/mo (50% DSR)
Upfront cash ≈ HK$23.74M (deposit + AVD stamp duty HK$1,859,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,017
−HK$5,998/mo
▼ 0.25% · 3.875%
HK$113,994
−HK$3,021/mo
Today · 4.125%
HK$117,015
baseline
▲ 0.50% · 4.625%
HK$123,183
+HK$6,168/mo
Deposit HK$21.88M · loan HK$21.88M · min. income ≈ HK$234,030/mo (50% DSR)
Upfront cash ≈ HK$23.74M (deposit + AVD stamp duty HK$1,859,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,750
−HK$7,509/mo
▼ 0.25% · 3.875%
HK$123,474
−HK$3,785/mo
Today · 4.125%
HK$127,259
baseline
▲ 0.50% · 4.625%
HK$135,002
+HK$7,743/mo
Deposit HK$17.51M · loan HK$26.26M · min. income ≈ HK$254,518/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,859,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,220
−HK$7,198/mo
▼ 0.25% · 3.875%
HK$136,793
−HK$3,625/mo
Today · 4.125%
HK$140,418
baseline
▲ 0.50% · 4.625%
HK$147,819
+HK$7,401/mo
Deposit HK$17.51M · loan HK$26.26M · min. income ≈ HK$280,836/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,859,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,708
−HK$8,761/mo
▼ 0.25% · 3.875%
HK$144,053
−HK$4,416/mo
Today · 4.125%
HK$148,469
baseline
▲ 0.50% · 4.625%
HK$157,503
+HK$9,034/mo
Deposit HK$13.13M · loan HK$30.63M · min. income ≈ HK$296,938/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,859,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,423
−HK$8,398/mo
▼ 0.25% · 3.875%
HK$159,592
−HK$4,229/mo
Today · 4.125%
HK$163,821
baseline
▲ 0.50% · 4.625%
HK$172,456
+HK$8,635/mo
Deposit HK$13.13M · loan HK$30.63M · min. income ≈ HK$327,642/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,859,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,624
−HK$11,264/mo
▼ 0.25% · 3.875%
HK$185,212
−HK$5,676/mo
Today · 4.125%
HK$190,888
baseline
▲ 0.50% · 4.625%
HK$202,503
+HK$11,615/mo
Deposit HK$4.38M · loan HK$39.39M · min. income ≈ HK$381,776/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,859,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,830
−HK$10,796/mo
▼ 0.25% · 3.875%
HK$205,190
−HK$5,436/mo
Today · 4.125%
HK$210,626
baseline
▲ 0.50% · 4.625%
HK$221,729
+HK$11,103/mo
Deposit HK$4.38M · loan HK$39.39M · min. income ≈ HK$421,252/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,859,935 · Scale 2, in force from 26 Feb 2026)