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$103,803
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$107,032
−HK$3,281/mo
Today · 4.125%
HK$110,313
baseline
▲ 0.50% · 4.625%
HK$117,025
+HK$6,712/mo
Deposit HK$22.76M · loan HK$22.76M · min. income ≈ HK$220,626/mo (50% DSR)
Upfront cash ≈ HK$24.70M (deposit + AVD stamp duty HK$1,934,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,480
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$118,577
−HK$3,142/mo
Today · 4.125%
HK$121,719
baseline
▲ 0.50% · 4.625%
HK$128,135
+HK$6,416/mo
Deposit HK$22.76M · loan HK$22.76M · min. income ≈ HK$243,438/mo (50% DSR)
Upfront cash ≈ HK$24.70M (deposit + AVD stamp duty HK$1,934,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,564
−HK$7,811/mo
▼ 0.25% · 3.875%
HK$128,439
−HK$3,936/mo
Today · 4.125%
HK$132,375
baseline
▲ 0.50% · 4.625%
HK$140,430
+HK$8,055/mo
Deposit HK$18.21M · loan HK$27.31M · min. income ≈ HK$264,750/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,934,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,576
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$142,293
−HK$3,770/mo
Today · 4.125%
HK$146,063
baseline
▲ 0.50% · 4.625%
HK$153,762
+HK$7,699/mo
Deposit HK$18.21M · loan HK$27.31M · min. income ≈ HK$292,126/mo (50% DSR)
Upfront cash ≈ HK$20.14M (deposit + AVD stamp duty HK$1,934,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,325
−HK$9,113/mo
▼ 0.25% · 3.875%
HK$149,845
−HK$4,593/mo
Today · 4.125%
HK$154,438
baseline
▲ 0.50% · 4.625%
HK$163,835
+HK$9,397/mo
Deposit HK$13.66M · loan HK$31.87M · min. income ≈ HK$308,876/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,934,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,672
−HK$8,735/mo
▼ 0.25% · 3.875%
HK$166,008
−HK$4,399/mo
Today · 4.125%
HK$170,407
baseline
▲ 0.50% · 4.625%
HK$179,389
+HK$8,982/mo
Deposit HK$13.66M · loan HK$31.87M · min. income ≈ HK$340,814/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,934,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,846
−HK$11,717/mo
▼ 0.25% · 3.875%
HK$192,658
−HK$5,905/mo
Today · 4.125%
HK$198,563
baseline
▲ 0.50% · 4.625%
HK$210,645
+HK$12,082/mo
Deposit HK$4.55M · loan HK$40.97M · min. income ≈ HK$397,126/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,934,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,864
−HK$11,230/mo
▼ 0.25% · 3.875%
HK$213,439
−HK$5,655/mo
Today · 4.125%
HK$219,094
baseline
▲ 0.50% · 4.625%
HK$230,643
+HK$11,549/mo
Deposit HK$4.55M · loan HK$40.97M · min. income ≈ HK$438,188/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,934,713 · Scale 2, in force from 26 Feb 2026)