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$99,751
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$102,854
−HK$3,152/mo
Today · 4.125%
HK$106,006
baseline
▲ 0.50% · 4.625%
HK$112,457
+HK$6,451/mo
Deposit HK$21.87M · loan HK$21.87M · min. income ≈ HK$212,012/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$1,859,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,972
−HK$5,995/mo
▼ 0.25% · 3.875%
HK$113,948
−HK$3,019/mo
Today · 4.125%
HK$116,967
baseline
▲ 0.50% · 4.625%
HK$123,133
+HK$6,166/mo
Deposit HK$21.87M · loan HK$21.87M · min. income ≈ HK$233,934/mo (50% DSR)
Upfront cash ≈ HK$23.73M (deposit + AVD stamp duty HK$1,859,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,701
−HK$7,507/mo
▼ 0.25% · 3.875%
HK$123,425
−HK$3,783/mo
Today · 4.125%
HK$127,208
baseline
▲ 0.50% · 4.625%
HK$134,948
+HK$7,740/mo
Deposit HK$17.50M · loan HK$26.25M · min. income ≈ HK$254,416/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,859,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,166
−HK$7,195/mo
▼ 0.25% · 3.875%
HK$136,738
−HK$3,623/mo
Today · 4.125%
HK$140,361
baseline
▲ 0.50% · 4.625%
HK$147,760
+HK$7,399/mo
Deposit HK$17.50M · loan HK$26.25M · min. income ≈ HK$280,722/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,859,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,651
−HK$8,758/mo
▼ 0.25% · 3.875%
HK$143,995
−HK$4,414/mo
Today · 4.125%
HK$148,409
baseline
▲ 0.50% · 4.625%
HK$157,439
+HK$9,030/mo
Deposit HK$13.12M · loan HK$30.62M · min. income ≈ HK$296,818/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,859,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,361
−HK$8,393/mo
▼ 0.25% · 3.875%
HK$159,528
−HK$4,226/mo
Today · 4.125%
HK$163,754
baseline
▲ 0.50% · 4.625%
HK$172,386
+HK$8,632/mo
Deposit HK$13.12M · loan HK$30.62M · min. income ≈ HK$327,508/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,859,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,552
−HK$11,259/mo
▼ 0.25% · 3.875%
HK$185,137
−HK$5,674/mo
Today · 4.125%
HK$190,811
baseline
▲ 0.50% · 4.625%
HK$202,422
+HK$11,611/mo
Deposit HK$4.37M · loan HK$39.37M · min. income ≈ HK$381,622/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,859,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,750
−HK$10,791/mo
▼ 0.25% · 3.875%
HK$205,107
−HK$5,434/mo
Today · 4.125%
HK$210,541
baseline
▲ 0.50% · 4.625%
HK$221,639
+HK$11,098/mo
Deposit HK$4.37M · loan HK$39.37M · min. income ≈ HK$421,082/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,859,186 · Scale 2, in force from 26 Feb 2026)