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$99,657
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$102,757
−HK$3,149/mo
Today · 4.125%
HK$105,906
baseline
▲ 0.50% · 4.625%
HK$112,350
+HK$6,444/mo
Deposit HK$21.85M · loan HK$21.85M · min. income ≈ HK$211,812/mo (50% DSR)
Upfront cash ≈ HK$23.71M (deposit + AVD stamp duty HK$1,857,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,867
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$113,841
−HK$3,016/mo
Today · 4.125%
HK$116,857
baseline
▲ 0.50% · 4.625%
HK$123,017
+HK$6,160/mo
Deposit HK$21.85M · loan HK$21.85M · min. income ≈ HK$233,714/mo (50% DSR)
Upfront cash ≈ HK$23.71M (deposit + AVD stamp duty HK$1,857,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,588
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$123,308
−HK$3,779/mo
Today · 4.125%
HK$127,087
baseline
▲ 0.50% · 4.625%
HK$134,820
+HK$7,733/mo
Deposit HK$17.48M · loan HK$26.22M · min. income ≈ HK$254,174/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,857,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,041
−HK$7,187/mo
▼ 0.25% · 3.875%
HK$136,609
−HK$3,619/mo
Today · 4.125%
HK$140,228
baseline
▲ 0.50% · 4.625%
HK$147,620
+HK$7,392/mo
Deposit HK$17.48M · loan HK$26.22M · min. income ≈ HK$280,456/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,857,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,519
−HK$8,750/mo
▼ 0.25% · 3.875%
HK$143,859
−HK$4,410/mo
Today · 4.125%
HK$148,269
baseline
▲ 0.50% · 4.625%
HK$157,290
+HK$9,021/mo
Deposit HK$13.11M · loan HK$30.59M · min. income ≈ HK$296,538/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,857,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,214
−HK$8,386/mo
▼ 0.25% · 3.875%
HK$159,377
−HK$4,223/mo
Today · 4.125%
HK$163,600
baseline
▲ 0.50% · 4.625%
HK$172,223
+HK$8,623/mo
Deposit HK$13.11M · loan HK$30.59M · min. income ≈ HK$327,200/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,857,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,382
−HK$11,249/mo
▼ 0.25% · 3.875%
HK$184,962
−HK$5,669/mo
Today · 4.125%
HK$190,631
baseline
▲ 0.50% · 4.625%
HK$202,230
+HK$11,599/mo
Deposit HK$4.37M · loan HK$39.33M · min. income ≈ HK$381,262/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,857,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,561
−HK$10,782/mo
▼ 0.25% · 3.875%
HK$204,913
−HK$5,430/mo
Today · 4.125%
HK$210,343
baseline
▲ 0.50% · 4.625%
HK$221,430
+HK$11,087/mo
Deposit HK$4.37M · loan HK$39.33M · min. income ≈ HK$420,686/mo (50% DSR)
Upfront cash ≈ HK$6.23M (deposit + AVD stamp duty HK$1,857,429 · Scale 2, in force from 26 Feb 2026)