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$101,687
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$104,850
−HK$3,214/mo
Today · 4.125%
HK$108,064
baseline
▲ 0.50% · 4.625%
HK$114,640
+HK$6,576/mo
Deposit HK$22.30M · loan HK$22.30M · min. income ≈ HK$216,128/mo (50% DSR)
Upfront cash ≈ HK$24.19M (deposit + AVD stamp duty HK$1,895,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,126
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$116,160
−HK$3,078/mo
Today · 4.125%
HK$119,238
baseline
▲ 0.50% · 4.625%
HK$125,523
+HK$6,285/mo
Deposit HK$22.30M · loan HK$22.30M · min. income ≈ HK$238,476/mo (50% DSR)
Upfront cash ≈ HK$24.19M (deposit + AVD stamp duty HK$1,895,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,025
−HK$7,652/mo
▼ 0.25% · 3.875%
HK$125,821
−HK$3,856/mo
Today · 4.125%
HK$129,677
baseline
▲ 0.50% · 4.625%
HK$137,567
+HK$7,890/mo
Deposit HK$17.84M · loan HK$26.76M · min. income ≈ HK$259,354/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,895,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,751
−HK$7,335/mo
▼ 0.25% · 3.875%
HK$139,392
−HK$3,694/mo
Today · 4.125%
HK$143,086
baseline
▲ 0.50% · 4.625%
HK$150,628
+HK$7,542/mo
Deposit HK$17.84M · loan HK$26.76M · min. income ≈ HK$286,172/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$1,895,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,362
−HK$8,928/mo
▼ 0.25% · 3.875%
HK$146,791
−HK$4,499/mo
Today · 4.125%
HK$151,290
baseline
▲ 0.50% · 4.625%
HK$160,495
+HK$9,205/mo
Deposit HK$13.38M · loan HK$31.22M · min. income ≈ HK$302,580/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,895,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,377
−HK$8,556/mo
▼ 0.25% · 3.875%
HK$162,624
−HK$4,309/mo
Today · 4.125%
HK$166,933
baseline
▲ 0.50% · 4.625%
HK$175,733
+HK$8,800/mo
Deposit HK$13.38M · loan HK$31.22M · min. income ≈ HK$333,866/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,895,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,037
−HK$11,478/mo
▼ 0.25% · 3.875%
HK$188,731
−HK$5,784/mo
Today · 4.125%
HK$194,515
baseline
▲ 0.50% · 4.625%
HK$206,351
+HK$11,836/mo
Deposit HK$4.46M · loan HK$40.14M · min. income ≈ HK$389,030/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$1,895,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,627
−HK$11,002/mo
▼ 0.25% · 3.875%
HK$209,088
−HK$5,541/mo
Today · 4.125%
HK$214,629
baseline
▲ 0.50% · 4.625%
HK$225,942
+HK$11,313/mo
Deposit HK$4.46M · loan HK$40.14M · min. income ≈ HK$429,258/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$1,895,276 · Scale 2, in force from 26 Feb 2026)