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$103,862
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$107,093
−HK$3,282/mo
Today · 4.125%
HK$110,375
baseline
▲ 0.50% · 4.625%
HK$117,091
+HK$6,716/mo
Deposit HK$22.77M · loan HK$22.77M · min. income ≈ HK$220,750/mo (50% DSR)
Upfront cash ≈ HK$24.71M (deposit + AVD stamp duty HK$1,935,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,545
−HK$6,243/mo
▼ 0.25% · 3.875%
HK$118,644
−HK$3,144/mo
Today · 4.125%
HK$121,788
baseline
▲ 0.50% · 4.625%
HK$128,208
+HK$6,420/mo
Deposit HK$22.77M · loan HK$22.77M · min. income ≈ HK$243,576/mo (50% DSR)
Upfront cash ≈ HK$24.71M (deposit + AVD stamp duty HK$1,935,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,634
−HK$7,816/mo
▼ 0.25% · 3.875%
HK$128,511
−HK$3,939/mo
Today · 4.125%
HK$132,450
baseline
▲ 0.50% · 4.625%
HK$140,509
+HK$8,059/mo
Deposit HK$18.22M · loan HK$27.33M · min. income ≈ HK$264,900/mo (50% DSR)
Upfront cash ≈ HK$20.16M (deposit + AVD stamp duty HK$1,935,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,655
−HK$7,491/mo
▼ 0.25% · 3.875%
HK$142,373
−HK$3,773/mo
Today · 4.125%
HK$146,146
baseline
▲ 0.50% · 4.625%
HK$153,849
+HK$7,703/mo
Deposit HK$18.22M · loan HK$27.33M · min. income ≈ HK$292,292/mo (50% DSR)
Upfront cash ≈ HK$20.16M (deposit + AVD stamp duty HK$1,935,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,407
−HK$9,118/mo
▼ 0.25% · 3.875%
HK$149,930
−HK$4,595/mo
Today · 4.125%
HK$154,525
baseline
▲ 0.50% · 4.625%
HK$163,928
+HK$9,403/mo
Deposit HK$13.66M · loan HK$31.88M · min. income ≈ HK$309,050/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,935,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,764
−HK$8,739/mo
▼ 0.25% · 3.875%
HK$166,102
−HK$4,401/mo
Today · 4.125%
HK$170,503
baseline
▲ 0.50% · 4.625%
HK$179,491
+HK$8,988/mo
Deposit HK$13.66M · loan HK$31.88M · min. income ≈ HK$341,006/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,935,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,952
−HK$11,723/mo
▼ 0.25% · 3.875%
HK$192,767
−HK$5,908/mo
Today · 4.125%
HK$198,675
baseline
▲ 0.50% · 4.625%
HK$210,764
+HK$12,089/mo
Deposit HK$4.55M · loan HK$40.99M · min. income ≈ HK$397,350/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,935,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$207,982
−HK$11,236/mo
▼ 0.25% · 3.875%
HK$213,560
−HK$5,658/mo
Today · 4.125%
HK$219,218
baseline
▲ 0.50% · 4.625%
HK$230,774
+HK$11,556/mo
Deposit HK$4.55M · loan HK$40.99M · min. income ≈ HK$438,436/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$1,935,807 · Scale 2, in force from 26 Feb 2026)