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$102,315
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$105,497
−HK$3,234/mo
Today · 4.125%
HK$108,731
baseline
▲ 0.50% · 4.625%
HK$115,347
+HK$6,616/mo
Deposit HK$22.43M · loan HK$22.43M · min. income ≈ HK$217,462/mo (50% DSR)
Upfront cash ≈ HK$24.34M (deposit + AVD stamp duty HK$1,906,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,824
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$116,877
−HK$3,096/mo
Today · 4.125%
HK$119,973
baseline
▲ 0.50% · 4.625%
HK$126,297
+HK$6,324/mo
Deposit HK$22.43M · loan HK$22.43M · min. income ≈ HK$239,946/mo (50% DSR)
Upfront cash ≈ HK$24.34M (deposit + AVD stamp duty HK$1,906,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,777
−HK$7,700/mo
▼ 0.25% · 3.875%
HK$126,596
−HK$3,881/mo
Today · 4.125%
HK$130,477
baseline
▲ 0.50% · 4.625%
HK$138,416
+HK$7,939/mo
Deposit HK$17.95M · loan HK$26.92M · min. income ≈ HK$260,954/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$1,906,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,589
−HK$7,379/mo
▼ 0.25% · 3.875%
HK$140,252
−HK$3,716/mo
Today · 4.125%
HK$143,968
baseline
▲ 0.50% · 4.625%
HK$151,557
+HK$7,589/mo
Deposit HK$17.95M · loan HK$26.92M · min. income ≈ HK$287,936/mo (50% DSR)
Upfront cash ≈ HK$19.85M (deposit + AVD stamp duty HK$1,906,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,240
−HK$8,983/mo
▼ 0.25% · 3.875%
HK$147,696
−HK$4,527/mo
Today · 4.125%
HK$152,223
baseline
▲ 0.50% · 4.625%
HK$161,485
+HK$9,262/mo
Deposit HK$13.46M · loan HK$31.41M · min. income ≈ HK$304,446/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,906,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,353
−HK$8,610/mo
▼ 0.25% · 3.875%
HK$163,627
−HK$4,336/mo
Today · 4.125%
HK$167,963
baseline
▲ 0.50% · 4.625%
HK$176,816
+HK$8,853/mo
Deposit HK$13.46M · loan HK$31.41M · min. income ≈ HK$335,926/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,906,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,166
−HK$11,549/mo
▼ 0.25% · 3.875%
HK$189,895
−HK$5,820/mo
Today · 4.125%
HK$195,715
baseline
▲ 0.50% · 4.625%
HK$207,624
+HK$11,909/mo
Deposit HK$4.49M · loan HK$40.38M · min. income ≈ HK$391,430/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,906,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,883
−HK$11,069/mo
▼ 0.25% · 3.875%
HK$210,378
−HK$5,574/mo
Today · 4.125%
HK$215,952
baseline
▲ 0.50% · 4.625%
HK$227,335
+HK$11,383/mo
Deposit HK$4.49M · loan HK$40.38M · min. income ≈ HK$431,904/mo (50% DSR)
Upfront cash ≈ HK$6.39M (deposit + AVD stamp duty HK$1,906,964 · Scale 2, in force from 26 Feb 2026)