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$99,829
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$102,935
−HK$3,155/mo
Today · 4.125%
HK$106,090
baseline
▲ 0.50% · 4.625%
HK$112,545
+HK$6,455/mo
Deposit HK$21.89M · loan HK$21.89M · min. income ≈ HK$212,180/mo (50% DSR)
Upfront cash ≈ HK$23.75M (deposit + AVD stamp duty HK$1,860,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,059
−HK$6,000/mo
▼ 0.25% · 3.875%
HK$114,038
−HK$3,021/mo
Today · 4.125%
HK$117,059
baseline
▲ 0.50% · 4.625%
HK$123,230
+HK$6,171/mo
Deposit HK$21.89M · loan HK$21.89M · min. income ≈ HK$234,118/mo (50% DSR)
Upfront cash ≈ HK$23.75M (deposit + AVD stamp duty HK$1,860,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,795
−HK$7,512/mo
▼ 0.25% · 3.875%
HK$123,522
−HK$3,785/mo
Today · 4.125%
HK$127,307
baseline
▲ 0.50% · 4.625%
HK$135,054
+HK$7,747/mo
Deposit HK$17.51M · loan HK$26.27M · min. income ≈ HK$254,614/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,860,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,271
−HK$7,200/mo
▼ 0.25% · 3.875%
HK$136,845
−HK$3,626/mo
Today · 4.125%
HK$140,471
baseline
▲ 0.50% · 4.625%
HK$147,876
+HK$7,405/mo
Deposit HK$17.51M · loan HK$26.27M · min. income ≈ HK$280,942/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,860,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,761
−HK$8,764/mo
▼ 0.25% · 3.875%
HK$144,109
−HK$4,416/mo
Today · 4.125%
HK$148,525
baseline
▲ 0.50% · 4.625%
HK$157,563
+HK$9,038/mo
Deposit HK$13.13M · loan HK$30.65M · min. income ≈ HK$297,050/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,860,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,483
−HK$8,400/mo
▼ 0.25% · 3.875%
HK$159,653
−HK$4,230/mo
Today · 4.125%
HK$163,883
baseline
▲ 0.50% · 4.625%
HK$172,522
+HK$8,639/mo
Deposit HK$13.13M · loan HK$30.65M · min. income ≈ HK$327,766/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,860,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,693
−HK$11,268/mo
▼ 0.25% · 3.875%
HK$185,282
−HK$5,679/mo
Today · 4.125%
HK$190,961
baseline
▲ 0.50% · 4.625%
HK$202,581
+HK$11,620/mo
Deposit HK$4.38M · loan HK$39.40M · min. income ≈ HK$381,922/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,860,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,907
−HK$10,800/mo
▼ 0.25% · 3.875%
HK$205,268
−HK$5,439/mo
Today · 4.125%
HK$210,707
baseline
▲ 0.50% · 4.625%
HK$221,814
+HK$11,107/mo
Deposit HK$4.38M · loan HK$39.40M · min. income ≈ HK$421,414/mo (50% DSR)
Upfront cash ≈ HK$6.24M (deposit + AVD stamp duty HK$1,860,646 · Scale 2, in force from 26 Feb 2026)