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$100,942
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$104,082
−HK$3,190/mo
Today · 4.125%
HK$107,272
baseline
▲ 0.50% · 4.625%
HK$113,799
+HK$6,527/mo
Deposit HK$22.13M · loan HK$22.13M · min. income ≈ HK$214,544/mo (50% DSR)
Upfront cash ≈ HK$24.02M (deposit + AVD stamp duty HK$1,881,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,297
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$115,309
−HK$3,055/mo
Today · 4.125%
HK$118,364
baseline
▲ 0.50% · 4.625%
HK$124,603
+HK$6,239/mo
Deposit HK$22.13M · loan HK$22.13M · min. income ≈ HK$236,728/mo (50% DSR)
Upfront cash ≈ HK$24.02M (deposit + AVD stamp duty HK$1,881,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,131
−HK$7,595/mo
▼ 0.25% · 3.875%
HK$124,898
−HK$3,828/mo
Today · 4.125%
HK$128,726
baseline
▲ 0.50% · 4.625%
HK$136,559
+HK$7,833/mo
Deposit HK$17.71M · loan HK$26.56M · min. income ≈ HK$257,452/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,881,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,757
−HK$7,280/mo
▼ 0.25% · 3.875%
HK$138,371
−HK$3,666/mo
Today · 4.125%
HK$142,037
baseline
▲ 0.50% · 4.625%
HK$149,524
+HK$7,487/mo
Deposit HK$17.71M · loan HK$26.56M · min. income ≈ HK$284,074/mo (50% DSR)
Upfront cash ≈ HK$19.59M (deposit + AVD stamp duty HK$1,881,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,319
−HK$8,862/mo
▼ 0.25% · 3.875%
HK$145,715
−HK$4,466/mo
Today · 4.125%
HK$150,181
baseline
▲ 0.50% · 4.625%
HK$159,319
+HK$9,138/mo
Deposit HK$13.28M · loan HK$30.99M · min. income ≈ HK$300,362/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,881,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,216
−HK$8,494/mo
▼ 0.25% · 3.875%
HK$161,432
−HK$4,278/mo
Today · 4.125%
HK$165,710
baseline
▲ 0.50% · 4.625%
HK$174,445
+HK$8,735/mo
Deposit HK$13.28M · loan HK$30.99M · min. income ≈ HK$331,420/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,881,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,696
−HK$11,394/mo
▼ 0.25% · 3.875%
HK$187,348
−HK$5,742/mo
Today · 4.125%
HK$193,090
baseline
▲ 0.50% · 4.625%
HK$204,839
+HK$11,749/mo
Deposit HK$4.43M · loan HK$39.84M · min. income ≈ HK$386,180/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,881,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,135
−HK$10,920/mo
▼ 0.25% · 3.875%
HK$207,556
−HK$5,499/mo
Today · 4.125%
HK$213,055
baseline
▲ 0.50% · 4.625%
HK$224,286
+HK$11,231/mo
Deposit HK$4.43M · loan HK$39.84M · min. income ≈ HK$426,110/mo (50% DSR)
Upfront cash ≈ HK$6.31M (deposit + AVD stamp duty HK$1,881,385 · Scale 2, in force from 26 Feb 2026)