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$103,402
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$106,618
−HK$3,268/mo
Today · 4.125%
HK$109,886
baseline
▲ 0.50% · 4.625%
HK$116,572
+HK$6,686/mo
Deposit HK$22.67M · loan HK$22.67M · min. income ≈ HK$219,772/mo (50% DSR)
Upfront cash ≈ HK$24.60M (deposit + AVD stamp duty HK$1,927,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,034
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$118,119
−HK$3,129/mo
Today · 4.125%
HK$121,248
baseline
▲ 0.50% · 4.625%
HK$127,640
+HK$6,392/mo
Deposit HK$22.67M · loan HK$22.67M · min. income ≈ HK$242,496/mo (50% DSR)
Upfront cash ≈ HK$24.60M (deposit + AVD stamp duty HK$1,927,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,082
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$127,942
−HK$3,921/mo
Today · 4.125%
HK$131,863
baseline
▲ 0.50% · 4.625%
HK$139,887
+HK$8,024/mo
Deposit HK$18.14M · loan HK$27.21M · min. income ≈ HK$263,726/mo (50% DSR)
Upfront cash ≈ HK$20.07M (deposit + AVD stamp duty HK$1,927,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,040
−HK$7,458/mo
▼ 0.25% · 3.875%
HK$141,742
−HK$3,756/mo
Today · 4.125%
HK$145,498
baseline
▲ 0.50% · 4.625%
HK$153,168
+HK$7,670/mo
Deposit HK$18.14M · loan HK$27.21M · min. income ≈ HK$290,996/mo (50% DSR)
Upfront cash ≈ HK$20.07M (deposit + AVD stamp duty HK$1,927,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,763
−HK$9,078/mo
▼ 0.25% · 3.875%
HK$149,266
−HK$4,575/mo
Today · 4.125%
HK$153,841
baseline
▲ 0.50% · 4.625%
HK$163,201
+HK$9,360/mo
Deposit HK$13.60M · loan HK$31.74M · min. income ≈ HK$307,682/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,927,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,047
−HK$8,701/mo
▼ 0.25% · 3.875%
HK$165,366
−HK$4,382/mo
Today · 4.125%
HK$169,748
baseline
▲ 0.50% · 4.625%
HK$178,695
+HK$8,947/mo
Deposit HK$13.60M · loan HK$31.74M · min. income ≈ HK$339,496/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,927,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,123
−HK$11,672/mo
▼ 0.25% · 3.875%
HK$191,913
−HK$5,882/mo
Today · 4.125%
HK$197,795
baseline
▲ 0.50% · 4.625%
HK$209,830
+HK$12,035/mo
Deposit HK$4.53M · loan HK$40.81M · min. income ≈ HK$395,590/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$1,927,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,060
−HK$11,187/mo
▼ 0.25% · 3.875%
HK$212,614
−HK$5,633/mo
Today · 4.125%
HK$218,247
baseline
▲ 0.50% · 4.625%
HK$229,751
+HK$11,504/mo
Deposit HK$4.53M · loan HK$40.81M · min. income ≈ HK$436,494/mo (50% DSR)
Upfront cash ≈ HK$6.46M (deposit + AVD stamp duty HK$1,927,231 · Scale 2, in force from 26 Feb 2026)