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$99,500
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,595
−HK$3,145/mo
Today · 4.125%
HK$105,740
baseline
▲ 0.50% · 4.625%
HK$112,174
+HK$6,434/mo
Deposit HK$21.82M · loan HK$21.82M · min. income ≈ HK$211,480/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$1,854,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,693
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$113,662
−HK$3,012/mo
Today · 4.125%
HK$116,674
baseline
▲ 0.50% · 4.625%
HK$122,824
+HK$6,150/mo
Deposit HK$21.82M · loan HK$21.82M · min. income ≈ HK$233,348/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$1,854,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,400
−HK$7,488/mo
▼ 0.25% · 3.875%
HK$123,114
−HK$3,774/mo
Today · 4.125%
HK$126,888
baseline
▲ 0.50% · 4.625%
HK$134,609
+HK$7,721/mo
Deposit HK$17.45M · loan HK$26.18M · min. income ≈ HK$253,776/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,854,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,832
−HK$7,176/mo
▼ 0.25% · 3.875%
HK$136,394
−HK$3,614/mo
Today · 4.125%
HK$140,008
baseline
▲ 0.50% · 4.625%
HK$147,388
+HK$7,380/mo
Deposit HK$17.45M · loan HK$26.18M · min. income ≈ HK$280,016/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,854,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,300
−HK$8,736/mo
▼ 0.25% · 3.875%
HK$143,633
−HK$4,403/mo
Today · 4.125%
HK$148,036
baseline
▲ 0.50% · 4.625%
HK$157,043
+HK$9,007/mo
Deposit HK$13.09M · loan HK$30.54M · min. income ≈ HK$296,072/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,854,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,970
−HK$8,373/mo
▼ 0.25% · 3.875%
HK$159,127
−HK$4,216/mo
Today · 4.125%
HK$163,343
baseline
▲ 0.50% · 4.625%
HK$171,953
+HK$8,610/mo
Deposit HK$13.09M · loan HK$30.54M · min. income ≈ HK$326,686/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,854,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,101
−HK$11,231/mo
▼ 0.25% · 3.875%
HK$184,672
−HK$5,660/mo
Today · 4.125%
HK$190,332
baseline
▲ 0.50% · 4.625%
HK$201,913
+HK$11,581/mo
Deposit HK$4.36M · loan HK$39.27M · min. income ≈ HK$380,664/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,854,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,248
−HK$10,764/mo
▼ 0.25% · 3.875%
HK$204,591
−HK$5,421/mo
Today · 4.125%
HK$210,012
baseline
▲ 0.50% · 4.625%
HK$221,082
+HK$11,070/mo
Deposit HK$4.36M · loan HK$39.27M · min. income ≈ HK$420,024/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,854,513 · Scale 2, in force from 26 Feb 2026)