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$100,570
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$103,698
−HK$3,178/mo
Today · 4.125%
HK$106,876
baseline
▲ 0.50% · 4.625%
HK$113,379
+HK$6,503/mo
Deposit HK$22.05M · loan HK$22.05M · min. income ≈ HK$213,752/mo (50% DSR)
Upfront cash ≈ HK$23.93M (deposit + AVD stamp duty HK$1,874,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,883
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$114,883
−HK$3,044/mo
Today · 4.125%
HK$117,927
baseline
▲ 0.50% · 4.625%
HK$124,143
+HK$6,216/mo
Deposit HK$22.05M · loan HK$22.05M · min. income ≈ HK$235,854/mo (50% DSR)
Upfront cash ≈ HK$23.93M (deposit + AVD stamp duty HK$1,874,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,683
−HK$7,568/mo
▼ 0.25% · 3.875%
HK$124,437
−HK$3,814/mo
Today · 4.125%
HK$128,251
baseline
▲ 0.50% · 4.625%
HK$136,055
+HK$7,804/mo
Deposit HK$17.64M · loan HK$26.46M · min. income ≈ HK$256,502/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,874,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,259
−HK$7,254/mo
▼ 0.25% · 3.875%
HK$137,860
−HK$3,653/mo
Today · 4.125%
HK$141,513
baseline
▲ 0.50% · 4.625%
HK$148,972
+HK$7,459/mo
Deposit HK$17.64M · loan HK$26.46M · min. income ≈ HK$283,026/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,874,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,797
−HK$8,830/mo
▼ 0.25% · 3.875%
HK$145,177
−HK$4,450/mo
Today · 4.125%
HK$149,627
baseline
▲ 0.50% · 4.625%
HK$158,731
+HK$9,104/mo
Deposit HK$13.23M · loan HK$30.87M · min. income ≈ HK$299,254/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,874,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,636
−HK$8,462/mo
▼ 0.25% · 3.875%
HK$160,837
−HK$4,261/mo
Today · 4.125%
HK$165,098
baseline
▲ 0.50% · 4.625%
HK$173,801
+HK$8,703/mo
Deposit HK$13.23M · loan HK$30.87M · min. income ≈ HK$330,196/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,874,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,025
−HK$11,352/mo
▼ 0.25% · 3.875%
HK$186,656
−HK$5,721/mo
Today · 4.125%
HK$192,377
baseline
▲ 0.50% · 4.625%
HK$204,083
+HK$11,706/mo
Deposit HK$4.41M · loan HK$39.69M · min. income ≈ HK$384,754/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,874,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,389
−HK$10,880/mo
▼ 0.25% · 3.875%
HK$206,790
−HK$5,479/mo
Today · 4.125%
HK$212,269
baseline
▲ 0.50% · 4.625%
HK$223,458
+HK$11,189/mo
Deposit HK$4.41M · loan HK$39.69M · min. income ≈ HK$424,538/mo (50% DSR)
Upfront cash ≈ HK$6.28M (deposit + AVD stamp duty HK$1,874,441 · Scale 2, in force from 26 Feb 2026)