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$95,930
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$98,914
−HK$3,032/mo
Today · 4.125%
HK$101,946
baseline
▲ 0.50% · 4.625%
HK$108,149
+HK$6,203/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$203,892/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,787,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,721
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$109,584
−HK$2,903/mo
Today · 4.125%
HK$112,487
baseline
▲ 0.50% · 4.625%
HK$118,417
+HK$5,930/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$224,974/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,787,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,116
−HK$7,219/mo
▼ 0.25% · 3.875%
HK$118,697
−HK$3,638/mo
Today · 4.125%
HK$122,335
baseline
▲ 0.50% · 4.625%
HK$129,779
+HK$7,444/mo
Deposit HK$16.83M · loan HK$25.24M · min. income ≈ HK$244,670/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,787,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,066
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$131,500
−HK$3,485/mo
Today · 4.125%
HK$134,985
baseline
▲ 0.50% · 4.625%
HK$142,100
+HK$7,115/mo
Deposit HK$16.83M · loan HK$25.24M · min. income ≈ HK$269,970/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,787,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,302
−HK$8,422/mo
▼ 0.25% · 3.875%
HK$138,480
−HK$4,244/mo
Today · 4.125%
HK$142,724
baseline
▲ 0.50% · 4.625%
HK$151,409
+HK$8,685/mo
Deposit HK$12.62M · loan HK$29.45M · min. income ≈ HK$285,448/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,787,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,410
−HK$8,072/mo
▼ 0.25% · 3.875%
HK$153,417
−HK$4,065/mo
Today · 4.125%
HK$157,482
baseline
▲ 0.50% · 4.625%
HK$165,783
+HK$8,301/mo
Deposit HK$12.62M · loan HK$29.45M · min. income ≈ HK$314,964/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,787,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,674
−HK$10,829/mo
▼ 0.25% · 3.875%
HK$178,046
−HK$5,457/mo
Today · 4.125%
HK$183,503
baseline
▲ 0.50% · 4.625%
HK$194,668
+HK$11,165/mo
Deposit HK$4.21M · loan HK$37.86M · min. income ≈ HK$367,006/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,099
−HK$10,378/mo
▼ 0.25% · 3.875%
HK$197,251
−HK$5,226/mo
Today · 4.125%
HK$202,477
baseline
▲ 0.50% · 4.625%
HK$213,150
+HK$10,673/mo
Deposit HK$4.21M · loan HK$37.86M · min. income ≈ HK$404,954/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,973 · Scale 2, in force from 26 Feb 2026)