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$101,536
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$104,695
−HK$3,208/mo
Today · 4.125%
HK$107,903
baseline
▲ 0.50% · 4.625%
HK$114,469
+HK$6,566/mo
Deposit HK$22.26M · loan HK$22.26M · min. income ≈ HK$215,806/mo (50% DSR)
Upfront cash ≈ HK$24.16M (deposit + AVD stamp duty HK$1,892,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,958
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$115,988
−HK$3,073/mo
Today · 4.125%
HK$119,061
baseline
▲ 0.50% · 4.625%
HK$125,337
+HK$6,276/mo
Deposit HK$22.26M · loan HK$22.26M · min. income ≈ HK$238,122/mo (50% DSR)
Upfront cash ≈ HK$24.16M (deposit + AVD stamp duty HK$1,892,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,843
−HK$7,641/mo
▼ 0.25% · 3.875%
HK$125,634
−HK$3,850/mo
Today · 4.125%
HK$129,484
baseline
▲ 0.50% · 4.625%
HK$137,363
+HK$7,879/mo
Deposit HK$17.81M · loan HK$26.72M · min. income ≈ HK$258,968/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,892,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,550
−HK$7,323/mo
▼ 0.25% · 3.875%
HK$139,185
−HK$3,688/mo
Today · 4.125%
HK$142,873
baseline
▲ 0.50% · 4.625%
HK$150,404
+HK$7,531/mo
Deposit HK$17.81M · loan HK$26.72M · min. income ≈ HK$285,746/mo (50% DSR)
Upfront cash ≈ HK$19.70M (deposit + AVD stamp duty HK$1,892,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,151
−HK$8,914/mo
▼ 0.25% · 3.875%
HK$146,572
−HK$4,493/mo
Today · 4.125%
HK$151,065
baseline
▲ 0.50% · 4.625%
HK$160,257
+HK$9,192/mo
Deposit HK$13.36M · loan HK$31.17M · min. income ≈ HK$302,130/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,892,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,141
−HK$8,544/mo
▼ 0.25% · 3.875%
HK$162,383
−HK$4,302/mo
Today · 4.125%
HK$166,685
baseline
▲ 0.50% · 4.625%
HK$175,471
+HK$8,786/mo
Deposit HK$13.36M · loan HK$31.17M · min. income ≈ HK$333,370/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,892,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,765
−HK$11,461/mo
▼ 0.25% · 3.875%
HK$188,450
−HK$5,776/mo
Today · 4.125%
HK$194,226
baseline
▲ 0.50% · 4.625%
HK$206,044
+HK$11,818/mo
Deposit HK$4.45M · loan HK$40.08M · min. income ≈ HK$388,452/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$1,892,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,324
−HK$10,985/mo
▼ 0.25% · 3.875%
HK$208,778
−HK$5,531/mo
Today · 4.125%
HK$214,309
baseline
▲ 0.50% · 4.625%
HK$225,606
+HK$11,297/mo
Deposit HK$4.45M · loan HK$40.08M · min. income ≈ HK$428,618/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$1,892,459 · Scale 2, in force from 26 Feb 2026)