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$102,685
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,880
−HK$3,245/mo
Today · 4.125%
HK$109,125
baseline
▲ 0.50% · 4.625%
HK$115,765
+HK$6,640/mo
Deposit HK$22.52M · loan HK$22.52M · min. income ≈ HK$218,250/mo (50% DSR)
Upfront cash ≈ HK$24.43M (deposit + AVD stamp duty HK$1,913,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,236
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$117,300
−HK$3,108/mo
Today · 4.125%
HK$120,408
baseline
▲ 0.50% · 4.625%
HK$126,755
+HK$6,347/mo
Deposit HK$22.52M · loan HK$22.52M · min. income ≈ HK$240,816/mo (50% DSR)
Upfront cash ≈ HK$24.43M (deposit + AVD stamp duty HK$1,913,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,223
−HK$7,727/mo
▼ 0.25% · 3.875%
HK$127,055
−HK$3,895/mo
Today · 4.125%
HK$130,950
baseline
▲ 0.50% · 4.625%
HK$138,918
+HK$7,968/mo
Deposit HK$18.01M · loan HK$27.02M · min. income ≈ HK$261,900/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,913,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,084
−HK$7,406/mo
▼ 0.25% · 3.875%
HK$140,760
−HK$3,730/mo
Today · 4.125%
HK$144,490
baseline
▲ 0.50% · 4.625%
HK$152,106
+HK$7,616/mo
Deposit HK$18.01M · loan HK$27.02M · min. income ≈ HK$288,980/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,913,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,760
−HK$9,015/mo
▼ 0.25% · 3.875%
HK$148,231
−HK$4,544/mo
Today · 4.125%
HK$152,775
baseline
▲ 0.50% · 4.625%
HK$162,071
+HK$9,296/mo
Deposit HK$13.51M · loan HK$31.52M · min. income ≈ HK$305,550/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,913,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,931
−HK$8,641/mo
▼ 0.25% · 3.875%
HK$164,220
−HK$4,352/mo
Today · 4.125%
HK$168,572
baseline
▲ 0.50% · 4.625%
HK$177,457
+HK$8,885/mo
Deposit HK$13.51M · loan HK$31.52M · min. income ≈ HK$337,144/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,913,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,834
−HK$11,590/mo
▼ 0.25% · 3.875%
HK$190,583
−HK$5,841/mo
Today · 4.125%
HK$196,424
baseline
▲ 0.50% · 4.625%
HK$208,376
+HK$11,952/mo
Deposit HK$4.50M · loan HK$40.53M · min. income ≈ HK$392,848/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,913,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,626
−HK$11,109/mo
▼ 0.25% · 3.875%
HK$211,140
−HK$5,595/mo
Today · 4.125%
HK$216,735
baseline
▲ 0.50% · 4.625%
HK$228,159
+HK$11,424/mo
Deposit HK$4.50M · loan HK$40.53M · min. income ≈ HK$433,470/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,913,877 · Scale 2, in force from 26 Feb 2026)