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$106,700
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$110,019
−HK$3,372/mo
Today · 4.125%
HK$113,391
baseline
▲ 0.50% · 4.625%
HK$120,291
+HK$6,900/mo
Deposit HK$23.40M · loan HK$23.40M · min. income ≈ HK$226,782/mo (50% DSR)
Upfront cash ≈ HK$25.39M (deposit + AVD stamp duty HK$1,988,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,703
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$121,887
−HK$3,229/mo
Today · 4.125%
HK$125,116
baseline
▲ 0.50% · 4.625%
HK$131,711
+HK$6,595/mo
Deposit HK$23.40M · loan HK$23.40M · min. income ≈ HK$250,232/mo (50% DSR)
Upfront cash ≈ HK$25.39M (deposit + AVD stamp duty HK$1,988,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,040
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$132,023
−HK$4,047/mo
Today · 4.125%
HK$136,070
baseline
▲ 0.50% · 4.625%
HK$144,349
+HK$8,279/mo
Deposit HK$18.72M · loan HK$28.08M · min. income ≈ HK$272,140/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,988,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,444
−HK$7,695/mo
▼ 0.25% · 3.875%
HK$146,264
−HK$3,875/mo
Today · 4.125%
HK$150,139
baseline
▲ 0.50% · 4.625%
HK$158,053
+HK$7,914/mo
Deposit HK$18.72M · loan HK$28.08M · min. income ≈ HK$300,278/mo (50% DSR)
Upfront cash ≈ HK$20.71M (deposit + AVD stamp duty HK$1,988,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,380
−HK$9,368/mo
▼ 0.25% · 3.875%
HK$154,027
−HK$4,721/mo
Today · 4.125%
HK$158,748
baseline
▲ 0.50% · 4.625%
HK$168,407
+HK$9,659/mo
Deposit HK$14.04M · loan HK$32.76M · min. income ≈ HK$317,496/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,988,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,184
−HK$8,979/mo
▼ 0.25% · 3.875%
HK$170,641
−HK$4,522/mo
Today · 4.125%
HK$175,163
baseline
▲ 0.50% · 4.625%
HK$184,396
+HK$9,233/mo
Deposit HK$14.04M · loan HK$32.76M · min. income ≈ HK$350,326/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,988,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,060
−HK$12,044/mo
▼ 0.25% · 3.875%
HK$198,035
−HK$6,069/mo
Today · 4.125%
HK$204,104
baseline
▲ 0.50% · 4.625%
HK$216,524
+HK$12,420/mo
Deposit HK$4.68M · loan HK$42.11M · min. income ≈ HK$408,208/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,988,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,665
−HK$11,544/mo
▼ 0.25% · 3.875%
HK$219,396
−HK$5,813/mo
Today · 4.125%
HK$225,209
baseline
▲ 0.50% · 4.625%
HK$237,080
+HK$11,871/mo
Deposit HK$4.68M · loan HK$42.11M · min. income ≈ HK$450,418/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$1,988,707 · Scale 2, in force from 26 Feb 2026)