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$107,655
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$111,004
−HK$3,402/mo
Today · 4.125%
HK$114,406
baseline
▲ 0.50% · 4.625%
HK$121,368
+HK$6,962/mo
Deposit HK$23.61M · loan HK$23.61M · min. income ≈ HK$228,812/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$2,006,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,765
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$122,977
−HK$3,259/mo
Today · 4.125%
HK$126,236
baseline
▲ 0.50% · 4.625%
HK$132,890
+HK$6,654/mo
Deposit HK$23.61M · loan HK$23.61M · min. income ≈ HK$252,472/mo (50% DSR)
Upfront cash ≈ HK$25.61M (deposit + AVD stamp duty HK$2,006,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,186
−HK$8,101/mo
▼ 0.25% · 3.875%
HK$133,205
−HK$4,082/mo
Today · 4.125%
HK$137,287
baseline
▲ 0.50% · 4.625%
HK$145,641
+HK$8,354/mo
Deposit HK$18.88M · loan HK$28.33M · min. income ≈ HK$274,574/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,006,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,719
−HK$7,764/mo
▼ 0.25% · 3.875%
HK$147,573
−HK$3,910/mo
Today · 4.125%
HK$151,483
baseline
▲ 0.50% · 4.625%
HK$159,468
+HK$7,985/mo
Deposit HK$18.88M · loan HK$28.33M · min. income ≈ HK$302,966/mo (50% DSR)
Upfront cash ≈ HK$20.89M (deposit + AVD stamp duty HK$2,006,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,717
−HK$9,452/mo
▼ 0.25% · 3.875%
HK$155,406
−HK$4,763/mo
Today · 4.125%
HK$160,169
baseline
▲ 0.50% · 4.625%
HK$169,915
+HK$9,746/mo
Deposit HK$14.16M · loan HK$33.05M · min. income ≈ HK$320,338/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$2,006,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,672
−HK$9,058/mo
▼ 0.25% · 3.875%
HK$172,168
−HK$4,562/mo
Today · 4.125%
HK$176,730
baseline
▲ 0.50% · 4.625%
HK$186,046
+HK$9,316/mo
Deposit HK$14.16M · loan HK$33.05M · min. income ≈ HK$353,460/mo (50% DSR)
Upfront cash ≈ HK$16.17M (deposit + AVD stamp duty HK$2,006,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,780
−HK$12,151/mo
▼ 0.25% · 3.875%
HK$199,807
−HK$6,124/mo
Today · 4.125%
HK$205,931
baseline
▲ 0.50% · 4.625%
HK$218,462
+HK$12,531/mo
Deposit HK$4.72M · loan HK$42.49M · min. income ≈ HK$411,862/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,006,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,578
−HK$11,647/mo
▼ 0.25% · 3.875%
HK$221,359
−HK$5,866/mo
Today · 4.125%
HK$227,225
baseline
▲ 0.50% · 4.625%
HK$239,202
+HK$11,977/mo
Deposit HK$4.72M · loan HK$42.49M · min. income ≈ HK$454,450/mo (50% DSR)
Upfront cash ≈ HK$6.73M (deposit + AVD stamp duty HK$2,006,507 · Scale 2, in force from 26 Feb 2026)