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$107,746
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$111,098
−HK$3,405/mo
Today · 4.125%
HK$114,503
baseline
▲ 0.50% · 4.625%
HK$121,470
+HK$6,967/mo
Deposit HK$23.63M · loan HK$23.63M · min. income ≈ HK$229,006/mo (50% DSR)
Upfront cash ≈ HK$25.63M (deposit + AVD stamp duty HK$2,008,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,866
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$123,081
−HK$3,261/mo
Today · 4.125%
HK$126,342
baseline
▲ 0.50% · 4.625%
HK$133,002
+HK$6,660/mo
Deposit HK$23.63M · loan HK$23.63M · min. income ≈ HK$252,684/mo (50% DSR)
Upfront cash ≈ HK$25.63M (deposit + AVD stamp duty HK$2,008,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,295
−HK$8,108/mo
▼ 0.25% · 3.875%
HK$133,317
−HK$4,086/mo
Today · 4.125%
HK$137,403
baseline
▲ 0.50% · 4.625%
HK$145,764
+HK$8,361/mo
Deposit HK$18.90M · loan HK$28.35M · min. income ≈ HK$274,806/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$2,008,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,840
−HK$7,771/mo
▼ 0.25% · 3.875%
HK$147,697
−HK$3,914/mo
Today · 4.125%
HK$151,611
baseline
▲ 0.50% · 4.625%
HK$159,602
+HK$7,991/mo
Deposit HK$18.90M · loan HK$28.35M · min. income ≈ HK$303,222/mo (50% DSR)
Upfront cash ≈ HK$20.91M (deposit + AVD stamp duty HK$2,008,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,844
−HK$9,460/mo
▼ 0.25% · 3.875%
HK$155,537
−HK$4,767/mo
Today · 4.125%
HK$160,304
baseline
▲ 0.50% · 4.625%
HK$170,058
+HK$9,754/mo
Deposit HK$14.18M · loan HK$33.08M · min. income ≈ HK$320,608/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$2,008,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,813
−HK$9,066/mo
▼ 0.25% · 3.875%
HK$172,314
−HK$4,565/mo
Today · 4.125%
HK$176,879
baseline
▲ 0.50% · 4.625%
HK$186,203
+HK$9,324/mo
Deposit HK$14.18M · loan HK$33.08M · min. income ≈ HK$353,758/mo (50% DSR)
Upfront cash ≈ HK$16.18M (deposit + AVD stamp duty HK$2,008,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,943
−HK$12,162/mo
▼ 0.25% · 3.875%
HK$199,976
−HK$6,129/mo
Today · 4.125%
HK$206,105
baseline
▲ 0.50% · 4.625%
HK$218,646
+HK$12,541/mo
Deposit HK$4.73M · loan HK$42.53M · min. income ≈ HK$412,210/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,008,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,759
−HK$11,657/mo
▼ 0.25% · 3.875%
HK$221,546
−HK$5,870/mo
Today · 4.125%
HK$227,416
baseline
▲ 0.50% · 4.625%
HK$239,404
+HK$11,988/mo
Deposit HK$4.73M · loan HK$42.53M · min. income ≈ HK$454,832/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,008,198 · Scale 2, in force from 26 Feb 2026)