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$97,807
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$100,850
−HK$3,091/mo
Today · 4.125%
HK$103,941
baseline
▲ 0.50% · 4.625%
HK$110,265
+HK$6,324/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$207,882/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$1,822,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,810
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$111,728
−HK$2,960/mo
Today · 4.125%
HK$114,688
baseline
▲ 0.50% · 4.625%
HK$120,734
+HK$6,046/mo
Deposit HK$21.45M · loan HK$21.45M · min. income ≈ HK$229,376/mo (50% DSR)
Upfront cash ≈ HK$23.27M (deposit + AVD stamp duty HK$1,822,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,369
−HK$7,360/mo
▼ 0.25% · 3.875%
HK$121,020
−HK$3,709/mo
Today · 4.125%
HK$124,729
baseline
▲ 0.50% · 4.625%
HK$132,318
+HK$7,589/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$249,458/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,822,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,572
−HK$7,054/mo
▼ 0.25% · 3.875%
HK$134,074
−HK$3,552/mo
Today · 4.125%
HK$137,626
baseline
▲ 0.50% · 4.625%
HK$144,880
+HK$7,254/mo
Deposit HK$17.16M · loan HK$25.74M · min. income ≈ HK$275,252/mo (50% DSR)
Upfront cash ≈ HK$18.98M (deposit + AVD stamp duty HK$1,822,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,930
−HK$8,587/mo
▼ 0.25% · 3.875%
HK$141,190
−HK$4,327/mo
Today · 4.125%
HK$145,517
baseline
▲ 0.50% · 4.625%
HK$154,371
+HK$8,854/mo
Deposit HK$12.87M · loan HK$30.03M · min. income ≈ HK$291,034/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,822,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,334
−HK$8,230/mo
▼ 0.25% · 3.875%
HK$156,419
−HK$4,145/mo
Today · 4.125%
HK$160,564
baseline
▲ 0.50% · 4.625%
HK$169,027
+HK$8,463/mo
Deposit HK$12.87M · loan HK$30.03M · min. income ≈ HK$321,128/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,822,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,053
−HK$11,040/mo
▼ 0.25% · 3.875%
HK$181,530
−HK$5,563/mo
Today · 4.125%
HK$187,093
baseline
▲ 0.50% · 4.625%
HK$198,478
+HK$11,385/mo
Deposit HK$4.29M · loan HK$38.60M · min. income ≈ HK$374,186/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,822,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,857
−HK$10,582/mo
▼ 0.25% · 3.875%
HK$201,110
−HK$5,329/mo
Today · 4.125%
HK$206,439
baseline
▲ 0.50% · 4.625%
HK$217,321
+HK$10,882/mo
Deposit HK$4.29M · loan HK$38.60M · min. income ≈ HK$412,878/mo (50% DSR)
Upfront cash ≈ HK$6.11M (deposit + AVD stamp duty HK$1,822,959 · Scale 2, in force from 26 Feb 2026)