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$98,243
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$101,299
−HK$3,105/mo
Today · 4.125%
HK$104,404
baseline
▲ 0.50% · 4.625%
HK$110,756
+HK$6,352/mo
Deposit HK$21.54M · loan HK$21.54M · min. income ≈ HK$208,808/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$1,831,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,294
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,225
−HK$2,974/mo
Today · 4.125%
HK$115,199
baseline
▲ 0.50% · 4.625%
HK$121,271
+HK$6,072/mo
Deposit HK$21.54M · loan HK$21.54M · min. income ≈ HK$230,398/mo (50% DSR)
Upfront cash ≈ HK$23.37M (deposit + AVD stamp duty HK$1,831,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,891
−HK$7,393/mo
▼ 0.25% · 3.875%
HK$121,559
−HK$3,725/mo
Today · 4.125%
HK$125,284
baseline
▲ 0.50% · 4.625%
HK$132,908
+HK$7,624/mo
Deposit HK$17.23M · loan HK$25.85M · min. income ≈ HK$250,568/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,831,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,153
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$134,671
−HK$3,568/mo
Today · 4.125%
HK$138,239
baseline
▲ 0.50% · 4.625%
HK$145,526
+HK$7,287/mo
Deposit HK$17.23M · loan HK$25.85M · min. income ≈ HK$276,478/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,831,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,540
−HK$8,625/mo
▼ 0.25% · 3.875%
HK$141,818
−HK$4,347/mo
Today · 4.125%
HK$146,165
baseline
▲ 0.50% · 4.625%
HK$155,059
+HK$8,894/mo
Deposit HK$12.93M · loan HK$30.16M · min. income ≈ HK$292,330/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,012
−HK$8,267/mo
▼ 0.25% · 3.875%
HK$157,116
−HK$4,163/mo
Today · 4.125%
HK$161,279
baseline
▲ 0.50% · 4.625%
HK$169,780
+HK$8,501/mo
Deposit HK$12.93M · loan HK$30.16M · min. income ≈ HK$322,558/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,831,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,837
−HK$11,089/mo
▼ 0.25% · 3.875%
HK$182,338
−HK$5,588/mo
Today · 4.125%
HK$187,926
baseline
▲ 0.50% · 4.625%
HK$199,361
+HK$11,435/mo
Deposit HK$4.31M · loan HK$38.78M · min. income ≈ HK$375,852/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,730
−HK$10,628/mo
▼ 0.25% · 3.875%
HK$202,006
−HK$5,352/mo
Today · 4.125%
HK$207,358
baseline
▲ 0.50% · 4.625%
HK$218,288
+HK$10,930/mo
Deposit HK$4.31M · loan HK$38.78M · min. income ≈ HK$414,716/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$1,831,077 · Scale 2, in force from 26 Feb 2026)