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$105,637
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$108,923
−HK$3,338/mo
Today · 4.125%
HK$112,261
baseline
▲ 0.50% · 4.625%
HK$119,092
+HK$6,831/mo
Deposit HK$23.16M · loan HK$23.16M · min. income ≈ HK$224,522/mo (50% DSR)
Upfront cash ≈ HK$25.13M (deposit + AVD stamp duty HK$1,968,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,520
−HK$6,349/mo
▼ 0.25% · 3.875%
HK$120,672
−HK$3,197/mo
Today · 4.125%
HK$123,869
baseline
▲ 0.50% · 4.625%
HK$130,398
+HK$6,529/mo
Deposit HK$23.16M · loan HK$23.16M · min. income ≈ HK$247,738/mo (50% DSR)
Upfront cash ≈ HK$25.13M (deposit + AVD stamp duty HK$1,968,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,764
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$130,707
−HK$4,006/mo
Today · 4.125%
HK$134,713
baseline
▲ 0.50% · 4.625%
HK$142,910
+HK$8,197/mo
Deposit HK$18.53M · loan HK$27.80M · min. income ≈ HK$269,426/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$1,968,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,024
−HK$7,619/mo
▼ 0.25% · 3.875%
HK$144,806
−HK$3,837/mo
Today · 4.125%
HK$148,643
baseline
▲ 0.50% · 4.625%
HK$156,478
+HK$7,835/mo
Deposit HK$18.53M · loan HK$27.80M · min. income ≈ HK$297,286/mo (50% DSR)
Upfront cash ≈ HK$20.50M (deposit + AVD stamp duty HK$1,968,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,892
−HK$9,274/mo
▼ 0.25% · 3.875%
HK$152,492
−HK$4,674/mo
Today · 4.125%
HK$157,166
baseline
▲ 0.50% · 4.625%
HK$166,729
+HK$9,563/mo
Deposit HK$13.90M · loan HK$32.43M · min. income ≈ HK$314,332/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,968,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,528
−HK$8,889/mo
▼ 0.25% · 3.875%
HK$168,940
−HK$4,477/mo
Today · 4.125%
HK$173,417
baseline
▲ 0.50% · 4.625%
HK$182,558
+HK$9,141/mo
Deposit HK$13.90M · loan HK$32.43M · min. income ≈ HK$346,834/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,968,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,146
−HK$11,924/mo
▼ 0.25% · 3.875%
HK$196,061
−HK$6,009/mo
Today · 4.125%
HK$202,070
baseline
▲ 0.50% · 4.625%
HK$214,366
+HK$12,296/mo
Deposit HK$4.63M · loan HK$41.69M · min. income ≈ HK$404,140/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,968,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,536
−HK$11,428/mo
▼ 0.25% · 3.875%
HK$217,209
−HK$5,755/mo
Today · 4.125%
HK$222,964
baseline
▲ 0.50% · 4.625%
HK$234,717
+HK$11,753/mo
Deposit HK$4.63M · loan HK$41.69M · min. income ≈ HK$445,928/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$1,968,886 · Scale 2, in force from 26 Feb 2026)