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$95,709
−HK$6,002/mo
▼ 0.25% · 3.875%
HK$98,686
−HK$3,025/mo
Today · 4.125%
HK$101,711
baseline
▲ 0.50% · 4.625%
HK$107,900
+HK$6,189/mo
Deposit HK$20.99M · loan HK$20.99M · min. income ≈ HK$203,422/mo (50% DSR)
Upfront cash ≈ HK$22.77M (deposit + AVD stamp duty HK$1,783,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,476
−HK$5,752/mo
▼ 0.25% · 3.875%
HK$109,331
−HK$2,897/mo
Today · 4.125%
HK$112,228
baseline
▲ 0.50% · 4.625%
HK$118,144
+HK$5,916/mo
Deposit HK$20.99M · loan HK$20.99M · min. income ≈ HK$224,456/mo (50% DSR)
Upfront cash ≈ HK$22.77M (deposit + AVD stamp duty HK$1,783,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,851
−HK$7,202/mo
▼ 0.25% · 3.875%
HK$118,424
−HK$3,629/mo
Today · 4.125%
HK$122,053
baseline
▲ 0.50% · 4.625%
HK$129,480
+HK$7,427/mo
Deposit HK$16.79M · loan HK$25.18M · min. income ≈ HK$244,106/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,783,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,771
−HK$6,903/mo
▼ 0.25% · 3.875%
HK$131,197
−HK$3,477/mo
Today · 4.125%
HK$134,674
baseline
▲ 0.50% · 4.625%
HK$141,773
+HK$7,099/mo
Deposit HK$16.79M · loan HK$25.18M · min. income ≈ HK$269,348/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$1,783,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,993
−HK$8,402/mo
▼ 0.25% · 3.875%
HK$138,161
−HK$4,234/mo
Today · 4.125%
HK$142,395
baseline
▲ 0.50% · 4.625%
HK$151,060
+HK$8,665/mo
Deposit HK$12.59M · loan HK$29.38M · min. income ≈ HK$284,790/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,783,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,066
−HK$8,053/mo
▼ 0.25% · 3.875%
HK$153,064
−HK$4,055/mo
Today · 4.125%
HK$157,119
baseline
▲ 0.50% · 4.625%
HK$165,401
+HK$8,282/mo
Deposit HK$12.59M · loan HK$29.38M · min. income ≈ HK$314,238/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,783,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,277
−HK$10,803/mo
▼ 0.25% · 3.875%
HK$177,635
−HK$5,445/mo
Today · 4.125%
HK$183,080
baseline
▲ 0.50% · 4.625%
HK$194,220
+HK$11,140/mo
Deposit HK$4.20M · loan HK$37.78M · min. income ≈ HK$366,160/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,783,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,656
−HK$10,355/mo
▼ 0.25% · 3.875%
HK$196,796
−HK$5,215/mo
Today · 4.125%
HK$202,011
baseline
▲ 0.50% · 4.625%
HK$212,659
+HK$10,648/mo
Deposit HK$4.20M · loan HK$37.78M · min. income ≈ HK$404,022/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$1,783,854 · Scale 2, in force from 26 Feb 2026)