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$107,609
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$110,956
−HK$3,401/mo
Today · 4.125%
HK$114,357
baseline
▲ 0.50% · 4.625%
HK$121,315
+HK$6,958/mo
Deposit HK$23.60M · loan HK$23.60M · min. income ≈ HK$228,714/mo (50% DSR)
Upfront cash ≈ HK$25.60M (deposit + AVD stamp duty HK$2,005,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,714
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$122,924
−HK$3,257/mo
Today · 4.125%
HK$126,181
baseline
▲ 0.50% · 4.625%
HK$132,832
+HK$6,651/mo
Deposit HK$23.60M · loan HK$23.60M · min. income ≈ HK$252,362/mo (50% DSR)
Upfront cash ≈ HK$25.60M (deposit + AVD stamp duty HK$2,005,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,130
−HK$8,098/mo
▼ 0.25% · 3.875%
HK$133,147
−HK$4,081/mo
Today · 4.125%
HK$137,228
baseline
▲ 0.50% · 4.625%
HK$145,578
+HK$8,350/mo
Deposit HK$18.88M · loan HK$28.31M · min. income ≈ HK$274,456/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$2,005,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,656
−HK$7,762/mo
▼ 0.25% · 3.875%
HK$147,509
−HK$3,909/mo
Today · 4.125%
HK$151,418
baseline
▲ 0.50% · 4.625%
HK$159,399
+HK$7,981/mo
Deposit HK$18.88M · loan HK$28.31M · min. income ≈ HK$302,836/mo (50% DSR)
Upfront cash ≈ HK$20.88M (deposit + AVD stamp duty HK$2,005,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,652
−HK$9,447/mo
▼ 0.25% · 3.875%
HK$155,338
−HK$4,761/mo
Today · 4.125%
HK$160,099
baseline
▲ 0.50% · 4.625%
HK$169,841
+HK$9,742/mo
Deposit HK$14.16M · loan HK$33.03M · min. income ≈ HK$320,198/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$2,005,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,599
−HK$9,055/mo
▼ 0.25% · 3.875%
HK$172,094
−HK$4,560/mo
Today · 4.125%
HK$176,654
baseline
▲ 0.50% · 4.625%
HK$185,965
+HK$9,311/mo
Deposit HK$14.16M · loan HK$33.03M · min. income ≈ HK$353,308/mo (50% DSR)
Upfront cash ≈ HK$16.16M (deposit + AVD stamp duty HK$2,005,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,696
−HK$12,146/mo
▼ 0.25% · 3.875%
HK$199,721
−HK$6,121/mo
Today · 4.125%
HK$205,842
baseline
▲ 0.50% · 4.625%
HK$218,367
+HK$12,525/mo
Deposit HK$4.72M · loan HK$42.47M · min. income ≈ HK$411,684/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$2,005,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,484
−HK$11,642/mo
▼ 0.25% · 3.875%
HK$221,263
−HK$5,863/mo
Today · 4.125%
HK$227,126
baseline
▲ 0.50% · 4.625%
HK$239,098
+HK$11,972/mo
Deposit HK$4.72M · loan HK$42.47M · min. income ≈ HK$454,252/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$2,005,637 · Scale 2, in force from 26 Feb 2026)