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$101,919
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$105,089
−HK$3,221/mo
Today · 4.125%
HK$108,310
baseline
▲ 0.50% · 4.625%
HK$114,901
+HK$6,591/mo
Deposit HK$22.35M · loan HK$22.35M · min. income ≈ HK$216,620/mo (50% DSR)
Upfront cash ≈ HK$24.25M (deposit + AVD stamp duty HK$1,899,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,384
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$116,425
−HK$3,085/mo
Today · 4.125%
HK$119,510
baseline
▲ 0.50% · 4.625%
HK$125,809
+HK$6,299/mo
Deposit HK$22.35M · loan HK$22.35M · min. income ≈ HK$239,020/mo (50% DSR)
Upfront cash ≈ HK$24.25M (deposit + AVD stamp duty HK$1,899,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,303
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$126,107
−HK$3,865/mo
Today · 4.125%
HK$129,972
baseline
▲ 0.50% · 4.625%
HK$137,881
+HK$7,909/mo
Deposit HK$17.88M · loan HK$26.82M · min. income ≈ HK$259,944/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,899,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,061
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$139,710
−HK$3,702/mo
Today · 4.125%
HK$143,412
baseline
▲ 0.50% · 4.625%
HK$150,971
+HK$7,559/mo
Deposit HK$17.88M · loan HK$26.82M · min. income ≈ HK$286,824/mo (50% DSR)
Upfront cash ≈ HK$19.78M (deposit + AVD stamp duty HK$1,899,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,687
−HK$8,948/mo
▼ 0.25% · 3.875%
HK$147,125
−HK$4,510/mo
Today · 4.125%
HK$151,635
baseline
▲ 0.50% · 4.625%
HK$160,861
+HK$9,226/mo
Deposit HK$13.41M · loan HK$31.29M · min. income ≈ HK$303,270/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,899,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,738
−HK$8,576/mo
▼ 0.25% · 3.875%
HK$162,995
−HK$4,319/mo
Today · 4.125%
HK$167,314
baseline
▲ 0.50% · 4.625%
HK$176,133
+HK$8,819/mo
Deposit HK$13.41M · loan HK$31.29M · min. income ≈ HK$334,628/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,899,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,454
−HK$11,505/mo
▼ 0.25% · 3.875%
HK$189,161
−HK$5,798/mo
Today · 4.125%
HK$194,959
baseline
▲ 0.50% · 4.625%
HK$206,821
+HK$11,862/mo
Deposit HK$4.47M · loan HK$40.23M · min. income ≈ HK$389,918/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$1,899,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,091
−HK$11,027/mo
▼ 0.25% · 3.875%
HK$209,565
−HK$5,553/mo
Today · 4.125%
HK$215,118
baseline
▲ 0.50% · 4.625%
HK$226,457
+HK$11,339/mo
Deposit HK$4.47M · loan HK$40.23M · min. income ≈ HK$430,236/mo (50% DSR)
Upfront cash ≈ HK$6.37M (deposit + AVD stamp duty HK$1,899,595 · Scale 2, in force from 26 Feb 2026)