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$98,404
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$101,465
−HK$3,110/mo
Today · 4.125%
HK$104,575
baseline
▲ 0.50% · 4.625%
HK$110,938
+HK$6,363/mo
Deposit HK$21.58M · loan HK$21.58M · min. income ≈ HK$209,150/mo (50% DSR)
Upfront cash ≈ HK$23.41M (deposit + AVD stamp duty HK$1,834,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,473
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$112,409
−HK$2,979/mo
Today · 4.125%
HK$115,388
baseline
▲ 0.50% · 4.625%
HK$121,470
+HK$6,082/mo
Deposit HK$21.58M · loan HK$21.58M · min. income ≈ HK$230,776/mo (50% DSR)
Upfront cash ≈ HK$23.41M (deposit + AVD stamp duty HK$1,834,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,085
−HK$7,405/mo
▼ 0.25% · 3.875%
HK$121,758
−HK$3,732/mo
Today · 4.125%
HK$125,490
baseline
▲ 0.50% · 4.625%
HK$133,125
+HK$7,635/mo
Deposit HK$17.26M · loan HK$25.89M · min. income ≈ HK$250,980/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,834,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,368
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$134,891
−HK$3,575/mo
Today · 4.125%
HK$138,466
baseline
▲ 0.50% · 4.625%
HK$145,764
+HK$7,298/mo
Deposit HK$17.26M · loan HK$25.89M · min. income ≈ HK$276,932/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,834,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,766
−HK$8,639/mo
▼ 0.25% · 3.875%
HK$142,051
−HK$4,354/mo
Today · 4.125%
HK$146,405
baseline
▲ 0.50% · 4.625%
HK$155,313
+HK$8,908/mo
Deposit HK$12.95M · loan HK$30.21M · min. income ≈ HK$292,810/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,834,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,263
−HK$8,280/mo
▼ 0.25% · 3.875%
HK$157,373
−HK$4,170/mo
Today · 4.125%
HK$161,543
baseline
▲ 0.50% · 4.625%
HK$170,058
+HK$8,515/mo
Deposit HK$12.95M · loan HK$30.21M · min. income ≈ HK$323,086/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,834,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,127
−HK$11,108/mo
▼ 0.25% · 3.875%
HK$182,637
−HK$5,598/mo
Today · 4.125%
HK$188,235
baseline
▲ 0.50% · 4.625%
HK$199,688
+HK$11,453/mo
Deposit HK$4.32M · loan HK$38.84M · min. income ≈ HK$376,470/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,834,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,052
−HK$10,646/mo
▼ 0.25% · 3.875%
HK$202,337
−HK$5,361/mo
Today · 4.125%
HK$207,698
baseline
▲ 0.50% · 4.625%
HK$218,646
+HK$10,948/mo
Deposit HK$4.32M · loan HK$38.84M · min. income ≈ HK$415,396/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$1,834,079 · Scale 2, in force from 26 Feb 2026)