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$101,342
−HK$6,355/mo
▼ 0.25% · 3.875%
HK$104,495
−HK$3,202/mo
Today · 4.125%
HK$107,697
baseline
▲ 0.50% · 4.625%
HK$114,251
+HK$6,554/mo
Deposit HK$22.22M · loan HK$22.22M · min. income ≈ HK$215,394/mo (50% DSR)
Upfront cash ≈ HK$24.11M (deposit + AVD stamp duty HK$1,888,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,742
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$115,766
−HK$3,068/mo
Today · 4.125%
HK$118,834
baseline
▲ 0.50% · 4.625%
HK$125,097
+HK$6,263/mo
Deposit HK$22.22M · loan HK$22.22M · min. income ≈ HK$237,668/mo (50% DSR)
Upfront cash ≈ HK$24.11M (deposit + AVD stamp duty HK$1,888,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,611
−HK$7,626/mo
▼ 0.25% · 3.875%
HK$125,394
−HK$3,843/mo
Today · 4.125%
HK$129,237
baseline
▲ 0.50% · 4.625%
HK$137,101
+HK$7,864/mo
Deposit HK$17.78M · loan HK$26.67M · min. income ≈ HK$258,474/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,888,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,291
−HK$7,309/mo
▼ 0.25% · 3.875%
HK$138,919
−HK$3,681/mo
Today · 4.125%
HK$142,600
baseline
▲ 0.50% · 4.625%
HK$150,117
+HK$7,517/mo
Deposit HK$17.78M · loan HK$26.67M · min. income ≈ HK$285,200/mo (50% DSR)
Upfront cash ≈ HK$19.67M (deposit + AVD stamp duty HK$1,888,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,879
−HK$8,897/mo
▼ 0.25% · 3.875%
HK$146,293
−HK$4,483/mo
Today · 4.125%
HK$150,776
baseline
▲ 0.50% · 4.625%
HK$159,951
+HK$9,175/mo
Deposit HK$13.33M · loan HK$31.11M · min. income ≈ HK$301,552/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,888,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,839
−HK$8,528/mo
▼ 0.25% · 3.875%
HK$162,073
−HK$4,294/mo
Today · 4.125%
HK$166,367
baseline
▲ 0.50% · 4.625%
HK$175,136
+HK$8,769/mo
Deposit HK$13.33M · loan HK$31.11M · min. income ≈ HK$332,734/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,888,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,416
−HK$11,439/mo
▼ 0.25% · 3.875%
HK$188,091
−HK$5,764/mo
Today · 4.125%
HK$193,855
baseline
▲ 0.50% · 4.625%
HK$205,651
+HK$11,796/mo
Deposit HK$4.44M · loan HK$40.00M · min. income ≈ HK$387,710/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,888,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,936
−HK$10,964/mo
▼ 0.25% · 3.875%
HK$208,379
−HK$5,521/mo
Today · 4.125%
HK$213,900
baseline
▲ 0.50% · 4.625%
HK$225,175
+HK$11,275/mo
Deposit HK$4.44M · loan HK$40.00M · min. income ≈ HK$427,800/mo (50% DSR)
Upfront cash ≈ HK$6.33M (deposit + AVD stamp duty HK$1,888,846 · Scale 2, in force from 26 Feb 2026)