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$105,520
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$108,803
−HK$3,334/mo
Today · 4.125%
HK$112,137
baseline
▲ 0.50% · 4.625%
HK$118,961
+HK$6,824/mo
Deposit HK$23.14M · loan HK$23.14M · min. income ≈ HK$224,274/mo (50% DSR)
Upfront cash ≈ HK$25.10M (deposit + AVD stamp duty HK$1,966,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,390
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$120,539
−HK$3,194/mo
Today · 4.125%
HK$123,733
baseline
▲ 0.50% · 4.625%
HK$130,255
+HK$6,522/mo
Deposit HK$23.14M · loan HK$23.14M · min. income ≈ HK$247,466/mo (50% DSR)
Upfront cash ≈ HK$25.10M (deposit + AVD stamp duty HK$1,966,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,624
−HK$7,941/mo
▼ 0.25% · 3.875%
HK$130,563
−HK$4,002/mo
Today · 4.125%
HK$134,565
baseline
▲ 0.50% · 4.625%
HK$142,753
+HK$8,188/mo
Deposit HK$18.51M · loan HK$27.77M · min. income ≈ HK$269,130/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,966,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,868
−HK$7,611/mo
▼ 0.25% · 3.875%
HK$144,646
−HK$3,833/mo
Today · 4.125%
HK$148,479
baseline
▲ 0.50% · 4.625%
HK$156,306
+HK$7,827/mo
Deposit HK$18.51M · loan HK$27.77M · min. income ≈ HK$296,958/mo (50% DSR)
Upfront cash ≈ HK$20.48M (deposit + AVD stamp duty HK$1,966,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,728
−HK$9,264/mo
▼ 0.25% · 3.875%
HK$152,324
−HK$4,668/mo
Today · 4.125%
HK$156,992
baseline
▲ 0.50% · 4.625%
HK$166,545
+HK$9,553/mo
Deposit HK$13.88M · loan HK$32.39M · min. income ≈ HK$313,984/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,966,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,346
−HK$8,880/mo
▼ 0.25% · 3.875%
HK$168,754
−HK$4,472/mo
Today · 4.125%
HK$173,226
baseline
▲ 0.50% · 4.625%
HK$182,356
+HK$9,130/mo
Deposit HK$13.88M · loan HK$32.39M · min. income ≈ HK$346,452/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,966,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,937
−HK$11,910/mo
▼ 0.25% · 3.875%
HK$195,845
−HK$6,002/mo
Today · 4.125%
HK$201,847
baseline
▲ 0.50% · 4.625%
HK$214,129
+HK$12,282/mo
Deposit HK$4.63M · loan HK$41.65M · min. income ≈ HK$403,694/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,966,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,303
−HK$11,416/mo
▼ 0.25% · 3.875%
HK$216,970
−HK$5,749/mo
Today · 4.125%
HK$222,719
baseline
▲ 0.50% · 4.625%
HK$234,458
+HK$11,739/mo
Deposit HK$4.63M · loan HK$41.65M · min. income ≈ HK$445,438/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$1,966,715 · Scale 2, in force from 26 Feb 2026)