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$99,300
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$102,389
−HK$3,138/mo
Today · 4.125%
HK$105,527
baseline
▲ 0.50% · 4.625%
HK$111,948
+HK$6,421/mo
Deposit HK$21.77M · loan HK$21.77M · min. income ≈ HK$211,054/mo (50% DSR)
Upfront cash ≈ HK$23.62M (deposit + AVD stamp duty HK$1,850,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,470
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$113,433
−HK$3,005/mo
Today · 4.125%
HK$116,438
baseline
▲ 0.50% · 4.625%
HK$122,576
+HK$6,138/mo
Deposit HK$21.77M · loan HK$21.77M · min. income ≈ HK$232,876/mo (50% DSR)
Upfront cash ≈ HK$23.62M (deposit + AVD stamp duty HK$1,850,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,160
−HK$7,472/mo
▼ 0.25% · 3.875%
HK$122,866
−HK$3,766/mo
Today · 4.125%
HK$126,632
baseline
▲ 0.50% · 4.625%
HK$134,337
+HK$7,705/mo
Deposit HK$17.42M · loan HK$26.13M · min. income ≈ HK$253,264/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,850,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,564
−HK$7,162/mo
▼ 0.25% · 3.875%
HK$136,119
−HK$3,607/mo
Today · 4.125%
HK$139,726
baseline
▲ 0.50% · 4.625%
HK$147,091
+HK$7,365/mo
Deposit HK$17.42M · loan HK$26.13M · min. income ≈ HK$279,452/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,850,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,020
−HK$8,717/mo
▼ 0.25% · 3.875%
HK$143,344
−HK$4,393/mo
Today · 4.125%
HK$147,737
baseline
▲ 0.50% · 4.625%
HK$156,727
+HK$8,990/mo
Deposit HK$13.06M · loan HK$30.48M · min. income ≈ HK$295,474/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,850,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,658
−HK$8,356/mo
▼ 0.25% · 3.875%
HK$158,806
−HK$4,208/mo
Today · 4.125%
HK$163,014
baseline
▲ 0.50% · 4.625%
HK$171,606
+HK$8,592/mo
Deposit HK$13.06M · loan HK$30.48M · min. income ≈ HK$326,028/mo (50% DSR)
Upfront cash ≈ HK$14.92M (deposit + AVD stamp duty HK$1,850,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,740
−HK$11,208/mo
▼ 0.25% · 3.875%
HK$184,299
−HK$5,649/mo
Today · 4.125%
HK$189,948
baseline
▲ 0.50% · 4.625%
HK$201,506
+HK$11,558/mo
Deposit HK$4.35M · loan HK$39.19M · min. income ≈ HK$379,896/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,850,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,846
−HK$10,743/mo
▼ 0.25% · 3.875%
HK$204,179
−HK$5,410/mo
Today · 4.125%
HK$209,589
baseline
▲ 0.50% · 4.625%
HK$220,637
+HK$11,048/mo
Deposit HK$4.35M · loan HK$39.19M · min. income ≈ HK$419,178/mo (50% DSR)
Upfront cash ≈ HK$6.21M (deposit + AVD stamp duty HK$1,850,775 · Scale 2, in force from 26 Feb 2026)