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$98,209
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$101,264
−HK$3,104/mo
Today · 4.125%
HK$104,368
baseline
▲ 0.50% · 4.625%
HK$110,718
+HK$6,350/mo
Deposit HK$21.53M · loan HK$21.53M · min. income ≈ HK$208,736/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$1,830,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,257
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,187
−HK$2,972/mo
Today · 4.125%
HK$115,159
baseline
▲ 0.50% · 4.625%
HK$121,230
+HK$6,071/mo
Deposit HK$21.53M · loan HK$21.53M · min. income ≈ HK$230,318/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$1,830,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,851
−HK$7,390/mo
▼ 0.25% · 3.875%
HK$121,517
−HK$3,724/mo
Today · 4.125%
HK$125,241
baseline
▲ 0.50% · 4.625%
HK$132,862
+HK$7,621/mo
Deposit HK$17.23M · loan HK$25.84M · min. income ≈ HK$250,482/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,108
−HK$7,083/mo
▼ 0.25% · 3.875%
HK$134,624
−HK$3,567/mo
Today · 4.125%
HK$138,191
baseline
▲ 0.50% · 4.625%
HK$145,475
+HK$7,284/mo
Deposit HK$17.23M · loan HK$25.84M · min. income ≈ HK$276,382/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,830,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,493
−HK$8,622/mo
▼ 0.25% · 3.875%
HK$141,769
−HK$4,346/mo
Today · 4.125%
HK$146,115
baseline
▲ 0.50% · 4.625%
HK$155,005
+HK$8,890/mo
Deposit HK$12.92M · loan HK$30.15M · min. income ≈ HK$292,230/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,959
−HK$8,264/mo
▼ 0.25% · 3.875%
HK$157,061
−HK$4,162/mo
Today · 4.125%
HK$161,223
baseline
▲ 0.50% · 4.625%
HK$169,721
+HK$8,498/mo
Deposit HK$12.92M · loan HK$30.15M · min. income ≈ HK$322,446/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,830,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,776
−HK$11,086/mo
▼ 0.25% · 3.875%
HK$182,275
−HK$5,587/mo
Today · 4.125%
HK$187,862
baseline
▲ 0.50% · 4.625%
HK$199,293
+HK$11,431/mo
Deposit HK$4.31M · loan HK$38.76M · min. income ≈ HK$375,724/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,662
−HK$10,625/mo
▼ 0.25% · 3.875%
HK$201,936
−HK$5,351/mo
Today · 4.125%
HK$207,287
baseline
▲ 0.50% · 4.625%
HK$218,213
+HK$10,926/mo
Deposit HK$4.31M · loan HK$38.76M · min. income ≈ HK$414,574/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,830,445 · Scale 2, in force from 26 Feb 2026)