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$102,187
−HK$6,408/mo
▼ 0.25% · 3.875%
HK$105,366
−HK$3,229/mo
Today · 4.125%
HK$108,595
baseline
▲ 0.50% · 4.625%
HK$115,203
+HK$6,608/mo
Deposit HK$22.41M · loan HK$22.41M · min. income ≈ HK$217,190/mo (50% DSR)
Upfront cash ≈ HK$24.31M (deposit + AVD stamp duty HK$1,904,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,682
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,731
−HK$3,093/mo
Today · 4.125%
HK$119,824
baseline
▲ 0.50% · 4.625%
HK$126,140
+HK$6,316/mo
Deposit HK$22.41M · loan HK$22.41M · min. income ≈ HK$239,648/mo (50% DSR)
Upfront cash ≈ HK$24.31M (deposit + AVD stamp duty HK$1,904,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,625
−HK$7,689/mo
▼ 0.25% · 3.875%
HK$126,439
−HK$3,875/mo
Today · 4.125%
HK$130,314
baseline
▲ 0.50% · 4.625%
HK$138,244
+HK$7,930/mo
Deposit HK$17.93M · loan HK$26.89M · min. income ≈ HK$260,628/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,904,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,419
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$140,078
−HK$3,711/mo
Today · 4.125%
HK$143,789
baseline
▲ 0.50% · 4.625%
HK$151,368
+HK$7,579/mo
Deposit HK$17.93M · loan HK$26.89M · min. income ≈ HK$287,578/mo (50% DSR)
Upfront cash ≈ HK$19.83M (deposit + AVD stamp duty HK$1,904,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,062
−HK$8,972/mo
▼ 0.25% · 3.875%
HK$147,512
−HK$4,522/mo
Today · 4.125%
HK$152,034
baseline
▲ 0.50% · 4.625%
HK$161,284
+HK$9,250/mo
Deposit HK$13.44M · loan HK$31.37M · min. income ≈ HK$304,068/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,904,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,155
−HK$8,599/mo
▼ 0.25% · 3.875%
HK$163,424
−HK$4,330/mo
Today · 4.125%
HK$167,754
baseline
▲ 0.50% · 4.625%
HK$176,597
+HK$8,843/mo
Deposit HK$13.44M · loan HK$31.37M · min. income ≈ HK$335,508/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,904,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,937
−HK$11,535/mo
▼ 0.25% · 3.875%
HK$189,659
−HK$5,813/mo
Today · 4.125%
HK$195,472
baseline
▲ 0.50% · 4.625%
HK$207,366
+HK$11,894/mo
Deposit HK$4.48M · loan HK$40.33M · min. income ≈ HK$390,944/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,904,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,628
−HK$11,056/mo
▼ 0.25% · 3.875%
HK$210,116
−HK$5,568/mo
Today · 4.125%
HK$215,684
baseline
▲ 0.50% · 4.625%
HK$227,053
+HK$11,369/mo
Deposit HK$4.48M · loan HK$40.33M · min. income ≈ HK$431,368/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,904,594 · Scale 2, in force from 26 Feb 2026)