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$102,485
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$105,673
−HK$3,239/mo
Today · 4.125%
HK$108,912
baseline
▲ 0.50% · 4.625%
HK$115,539
+HK$6,627/mo
Deposit HK$22.47M · loan HK$22.47M · min. income ≈ HK$217,824/mo (50% DSR)
Upfront cash ≈ HK$24.38M (deposit + AVD stamp duty HK$1,910,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,014
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$117,072
−HK$3,102/mo
Today · 4.125%
HK$120,174
baseline
▲ 0.50% · 4.625%
HK$126,508
+HK$6,334/mo
Deposit HK$22.47M · loan HK$22.47M · min. income ≈ HK$240,348/mo (50% DSR)
Upfront cash ≈ HK$24.38M (deposit + AVD stamp duty HK$1,910,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,982
−HK$7,712/mo
▼ 0.25% · 3.875%
HK$126,808
−HK$3,886/mo
Today · 4.125%
HK$130,694
baseline
▲ 0.50% · 4.625%
HK$138,647
+HK$7,953/mo
Deposit HK$17.98M · loan HK$26.97M · min. income ≈ HK$261,388/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,910,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,817
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$140,486
−HK$3,722/mo
Today · 4.125%
HK$144,208
baseline
▲ 0.50% · 4.625%
HK$151,810
+HK$7,602/mo
Deposit HK$17.98M · loan HK$26.97M · min. income ≈ HK$288,416/mo (50% DSR)
Upfront cash ≈ HK$19.89M (deposit + AVD stamp duty HK$1,910,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,479
−HK$8,998/mo
▼ 0.25% · 3.875%
HK$147,942
−HK$4,535/mo
Today · 4.125%
HK$152,477
baseline
▲ 0.50% · 4.625%
HK$161,755
+HK$9,278/mo
Deposit HK$13.48M · loan HK$31.46M · min. income ≈ HK$304,954/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,910,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,619
−HK$8,624/mo
▼ 0.25% · 3.875%
HK$163,900
−HK$4,343/mo
Today · 4.125%
HK$168,243
baseline
▲ 0.50% · 4.625%
HK$177,111
+HK$8,868/mo
Deposit HK$13.48M · loan HK$31.46M · min. income ≈ HK$336,486/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,910,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,473
−HK$11,568/mo
▼ 0.25% · 3.875%
HK$190,212
−HK$5,829/mo
Today · 4.125%
HK$196,041
baseline
▲ 0.50% · 4.625%
HK$207,970
+HK$11,929/mo
Deposit HK$4.49M · loan HK$40.45M · min. income ≈ HK$392,082/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,910,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,225
−HK$11,087/mo
▼ 0.25% · 3.875%
HK$210,729
−HK$5,583/mo
Today · 4.125%
HK$216,312
baseline
▲ 0.50% · 4.625%
HK$227,715
+HK$11,403/mo
Deposit HK$4.49M · loan HK$40.45M · min. income ≈ HK$432,624/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$1,910,146 · Scale 2, in force from 26 Feb 2026)