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$96,980
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$99,997
−HK$3,065/mo
Today · 4.125%
HK$103,062
baseline
▲ 0.50% · 4.625%
HK$109,333
+HK$6,271/mo
Deposit HK$21.27M · loan HK$21.27M · min. income ≈ HK$206,124/mo (50% DSR)
Upfront cash ≈ HK$23.07M (deposit + AVD stamp duty HK$1,807,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,890
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$110,783
−HK$2,936/mo
Today · 4.125%
HK$113,719
baseline
▲ 0.50% · 4.625%
HK$119,713
+HK$5,994/mo
Deposit HK$21.27M · loan HK$21.27M · min. income ≈ HK$227,438/mo (50% DSR)
Upfront cash ≈ HK$23.07M (deposit + AVD stamp duty HK$1,807,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,376
−HK$7,298/mo
▼ 0.25% · 3.875%
HK$119,996
−HK$3,678/mo
Today · 4.125%
HK$123,674
baseline
▲ 0.50% · 4.625%
HK$131,200
+HK$7,526/mo
Deposit HK$17.01M · loan HK$25.52M · min. income ≈ HK$247,348/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,807,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,468
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$132,940
−HK$3,522/mo
Today · 4.125%
HK$136,462
baseline
▲ 0.50% · 4.625%
HK$143,655
+HK$7,193/mo
Deposit HK$17.01M · loan HK$25.52M · min. income ≈ HK$272,924/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,807,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,773
−HK$8,514/mo
▼ 0.25% · 3.875%
HK$139,996
−HK$4,291/mo
Today · 4.125%
HK$144,287
baseline
▲ 0.50% · 4.625%
HK$153,066
+HK$8,779/mo
Deposit HK$12.76M · loan HK$29.77M · min. income ≈ HK$288,574/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,807,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,046
−HK$8,160/mo
▼ 0.25% · 3.875%
HK$155,097
−HK$4,109/mo
Today · 4.125%
HK$159,206
baseline
▲ 0.50% · 4.625%
HK$167,598
+HK$8,392/mo
Deposit HK$12.76M · loan HK$29.77M · min. income ≈ HK$318,412/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,807,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,565
−HK$10,946/mo
▼ 0.25% · 3.875%
HK$179,995
−HK$5,516/mo
Today · 4.125%
HK$185,511
baseline
▲ 0.50% · 4.625%
HK$196,799
+HK$11,288/mo
Deposit HK$4.25M · loan HK$38.28M · min. income ≈ HK$371,022/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,807,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,201
−HK$10,493/mo
▼ 0.25% · 3.875%
HK$199,410
−HK$5,284/mo
Today · 4.125%
HK$204,694
baseline
▲ 0.50% · 4.625%
HK$215,483
+HK$10,789/mo
Deposit HK$4.25M · loan HK$38.28M · min. income ≈ HK$409,388/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,807,545 · Scale 2, in force from 26 Feb 2026)