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$101,503
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$104,661
−HK$3,207/mo
Today · 4.125%
HK$107,868
baseline
▲ 0.50% · 4.625%
HK$114,432
+HK$6,564/mo
Deposit HK$22.26M · loan HK$22.26M · min. income ≈ HK$215,736/mo (50% DSR)
Upfront cash ≈ HK$24.15M (deposit + AVD stamp duty HK$1,891,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,921
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$115,950
−HK$3,072/mo
Today · 4.125%
HK$119,022
baseline
▲ 0.50% · 4.625%
HK$125,296
+HK$6,274/mo
Deposit HK$22.26M · loan HK$22.26M · min. income ≈ HK$238,044/mo (50% DSR)
Upfront cash ≈ HK$24.15M (deposit + AVD stamp duty HK$1,891,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,804
−HK$7,638/mo
▼ 0.25% · 3.875%
HK$125,593
−HK$3,849/mo
Today · 4.125%
HK$129,442
baseline
▲ 0.50% · 4.625%
HK$137,318
+HK$7,876/mo
Deposit HK$17.81M · loan HK$26.71M · min. income ≈ HK$258,884/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,891,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,506
−HK$7,320/mo
▼ 0.25% · 3.875%
HK$139,140
−HK$3,686/mo
Today · 4.125%
HK$142,826
baseline
▲ 0.50% · 4.625%
HK$150,355
+HK$7,529/mo
Deposit HK$17.81M · loan HK$26.71M · min. income ≈ HK$285,652/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,891,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,104
−HK$8,912/mo
▼ 0.25% · 3.875%
HK$146,525
−HK$4,491/mo
Today · 4.125%
HK$151,016
baseline
▲ 0.50% · 4.625%
HK$160,205
+HK$9,189/mo
Deposit HK$13.35M · loan HK$31.16M · min. income ≈ HK$302,032/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,891,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,090
−HK$8,541/mo
▼ 0.25% · 3.875%
HK$162,330
−HK$4,301/mo
Today · 4.125%
HK$166,631
baseline
▲ 0.50% · 4.625%
HK$175,414
+HK$8,783/mo
Deposit HK$13.35M · loan HK$31.16M · min. income ≈ HK$333,262/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,891,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,706
−HK$11,457/mo
▼ 0.25% · 3.875%
HK$188,389
−HK$5,774/mo
Today · 4.125%
HK$194,163
baseline
▲ 0.50% · 4.625%
HK$205,977
+HK$11,814/mo
Deposit HK$4.45M · loan HK$40.06M · min. income ≈ HK$388,326/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,891,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,258
−HK$10,982/mo
▼ 0.25% · 3.875%
HK$208,710
−HK$5,530/mo
Today · 4.125%
HK$214,240
baseline
▲ 0.50% · 4.625%
HK$225,533
+HK$11,293/mo
Deposit HK$4.45M · loan HK$40.06M · min. income ≈ HK$428,480/mo (50% DSR)
Upfront cash ≈ HK$6.34M (deposit + AVD stamp duty HK$1,891,843 · Scale 2, in force from 26 Feb 2026)