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$100,899
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$104,038
−HK$3,189/mo
Today · 4.125%
HK$107,227
baseline
▲ 0.50% · 4.625%
HK$113,751
+HK$6,524/mo
Deposit HK$22.12M · loan HK$22.12M · min. income ≈ HK$214,454/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$1,880,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,249
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$115,260
−HK$3,054/mo
Today · 4.125%
HK$118,314
baseline
▲ 0.50% · 4.625%
HK$124,550
+HK$6,236/mo
Deposit HK$22.12M · loan HK$22.12M · min. income ≈ HK$236,628/mo (50% DSR)
Upfront cash ≈ HK$24.01M (deposit + AVD stamp duty HK$1,880,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,079
−HK$7,593/mo
▼ 0.25% · 3.875%
HK$124,845
−HK$3,827/mo
Today · 4.125%
HK$128,672
baseline
▲ 0.50% · 4.625%
HK$136,501
+HK$7,829/mo
Deposit HK$17.70M · loan HK$26.55M · min. income ≈ HK$257,344/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,880,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,699
−HK$7,278/mo
▼ 0.25% · 3.875%
HK$138,312
−HK$3,665/mo
Today · 4.125%
HK$141,977
baseline
▲ 0.50% · 4.625%
HK$149,460
+HK$7,483/mo
Deposit HK$17.70M · loan HK$26.55M · min. income ≈ HK$283,954/mo (50% DSR)
Upfront cash ≈ HK$19.58M (deposit + AVD stamp duty HK$1,880,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,259
−HK$8,858/mo
▼ 0.25% · 3.875%
HK$145,653
−HK$4,464/mo
Today · 4.125%
HK$150,117
baseline
▲ 0.50% · 4.625%
HK$159,251
+HK$9,134/mo
Deposit HK$13.27M · loan HK$30.97M · min. income ≈ HK$300,234/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,880,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,149
−HK$8,490/mo
▼ 0.25% · 3.875%
HK$161,364
−HK$4,275/mo
Today · 4.125%
HK$165,639
baseline
▲ 0.50% · 4.625%
HK$174,370
+HK$8,731/mo
Deposit HK$13.27M · loan HK$30.97M · min. income ≈ HK$331,278/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,880,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,619
−HK$11,389/mo
▼ 0.25% · 3.875%
HK$187,268
−HK$5,740/mo
Today · 4.125%
HK$193,008
baseline
▲ 0.50% · 4.625%
HK$204,752
+HK$11,744/mo
Deposit HK$4.42M · loan HK$39.82M · min. income ≈ HK$386,016/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,880,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,049
−HK$10,916/mo
▼ 0.25% · 3.875%
HK$207,468
−HK$5,497/mo
Today · 4.125%
HK$212,965
baseline
▲ 0.50% · 4.625%
HK$224,191
+HK$11,226/mo
Deposit HK$4.42M · loan HK$39.82M · min. income ≈ HK$425,930/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,880,586 · Scale 2, in force from 26 Feb 2026)