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$104,462
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$107,711
−HK$3,301/mo
Today · 4.125%
HK$111,012
baseline
▲ 0.50% · 4.625%
HK$117,767
+HK$6,755/mo
Deposit HK$22.91M · loan HK$22.91M · min. income ≈ HK$222,024/mo (50% DSR)
Upfront cash ≈ HK$24.85M (deposit + AVD stamp duty HK$1,946,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,212
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$119,329
−HK$3,162/mo
Today · 4.125%
HK$122,491
baseline
▲ 0.50% · 4.625%
HK$128,948
+HK$6,457/mo
Deposit HK$22.91M · loan HK$22.91M · min. income ≈ HK$244,982/mo (50% DSR)
Upfront cash ≈ HK$24.85M (deposit + AVD stamp duty HK$1,946,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,354
−HK$7,861/mo
▼ 0.25% · 3.875%
HK$129,253
−HK$3,962/mo
Today · 4.125%
HK$133,215
baseline
▲ 0.50% · 4.625%
HK$141,320
+HK$8,105/mo
Deposit HK$18.32M · loan HK$27.49M · min. income ≈ HK$266,430/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,946,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,455
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$143,195
−HK$3,794/mo
Today · 4.125%
HK$146,989
baseline
▲ 0.50% · 4.625%
HK$154,737
+HK$7,748/mo
Deposit HK$18.32M · loan HK$27.49M · min. income ≈ HK$293,978/mo (50% DSR)
Upfront cash ≈ HK$20.27M (deposit + AVD stamp duty HK$1,946,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,246
−HK$9,171/mo
▼ 0.25% · 3.875%
HK$150,795
−HK$4,622/mo
Today · 4.125%
HK$155,417
baseline
▲ 0.50% · 4.625%
HK$164,874
+HK$9,457/mo
Deposit HK$13.74M · loan HK$32.07M · min. income ≈ HK$310,834/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,946,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,697
−HK$8,790/mo
▼ 0.25% · 3.875%
HK$167,061
−HK$4,426/mo
Today · 4.125%
HK$171,487
baseline
▲ 0.50% · 4.625%
HK$180,527
+HK$9,040/mo
Deposit HK$13.74M · loan HK$32.07M · min. income ≈ HK$342,974/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,946,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,031
−HK$11,791/mo
▼ 0.25% · 3.875%
HK$193,880
−HK$5,942/mo
Today · 4.125%
HK$199,822
baseline
▲ 0.50% · 4.625%
HK$211,981
+HK$12,159/mo
Deposit HK$4.58M · loan HK$41.23M · min. income ≈ HK$399,644/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,946,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,182
−HK$11,302/mo
▼ 0.25% · 3.875%
HK$214,792
−HK$5,692/mo
Today · 4.125%
HK$220,484
baseline
▲ 0.50% · 4.625%
HK$232,106
+HK$11,622/mo
Deposit HK$4.58M · loan HK$41.23M · min. income ≈ HK$440,968/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$1,946,981 · Scale 2, in force from 26 Feb 2026)