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$104,299
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$107,544
−HK$3,296/mo
Today · 4.125%
HK$110,840
baseline
▲ 0.50% · 4.625%
HK$117,584
+HK$6,744/mo
Deposit HK$22.87M · loan HK$22.87M · min. income ≈ HK$221,680/mo (50% DSR)
Upfront cash ≈ HK$24.81M (deposit + AVD stamp duty HK$1,943,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,032
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$119,144
−HK$3,157/mo
Today · 4.125%
HK$122,301
baseline
▲ 0.50% · 4.625%
HK$128,747
+HK$6,446/mo
Deposit HK$22.87M · loan HK$22.87M · min. income ≈ HK$244,602/mo (50% DSR)
Upfront cash ≈ HK$24.81M (deposit + AVD stamp duty HK$1,943,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,159
−HK$7,849/mo
▼ 0.25% · 3.875%
HK$129,052
−HK$3,956/mo
Today · 4.125%
HK$133,008
baseline
▲ 0.50% · 4.625%
HK$141,101
+HK$8,093/mo
Deposit HK$18.30M · loan HK$27.44M · min. income ≈ HK$266,016/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,943,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,238
−HK$7,523/mo
▼ 0.25% · 3.875%
HK$142,973
−HK$3,788/mo
Today · 4.125%
HK$146,761
baseline
▲ 0.50% · 4.625%
HK$154,497
+HK$7,736/mo
Deposit HK$18.30M · loan HK$27.44M · min. income ≈ HK$293,522/mo (50% DSR)
Upfront cash ≈ HK$20.24M (deposit + AVD stamp duty HK$1,943,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,019
−HK$9,157/mo
▼ 0.25% · 3.875%
HK$150,561
−HK$4,615/mo
Today · 4.125%
HK$155,176
baseline
▲ 0.50% · 4.625%
HK$164,618
+HK$9,442/mo
Deposit HK$13.72M · loan HK$32.02M · min. income ≈ HK$310,352/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,943,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,445
−HK$8,776/mo
▼ 0.25% · 3.875%
HK$166,801
−HK$4,420/mo
Today · 4.125%
HK$171,221
baseline
▲ 0.50% · 4.625%
HK$180,246
+HK$9,025/mo
Deposit HK$13.72M · loan HK$32.02M · min. income ≈ HK$342,442/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,943,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,739
−HK$11,773/mo
▼ 0.25% · 3.875%
HK$193,579
−HK$5,933/mo
Today · 4.125%
HK$199,512
baseline
▲ 0.50% · 4.625%
HK$211,652
+HK$12,140/mo
Deposit HK$4.57M · loan HK$41.17M · min. income ≈ HK$399,024/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,943,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,858
−HK$11,283/mo
▼ 0.25% · 3.875%
HK$214,459
−HK$5,682/mo
Today · 4.125%
HK$220,141
baseline
▲ 0.50% · 4.625%
HK$231,745
+HK$11,604/mo
Deposit HK$4.57M · loan HK$41.17M · min. income ≈ HK$440,282/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,943,958 · Scale 2, in force from 26 Feb 2026)