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$96,948
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$99,963
−HK$3,064/mo
Today · 4.125%
HK$103,027
baseline
▲ 0.50% · 4.625%
HK$109,296
+HK$6,269/mo
Deposit HK$21.26M · loan HK$21.26M · min. income ≈ HK$206,054/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$1,806,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,853
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$110,746
−HK$2,934/mo
Today · 4.125%
HK$113,680
baseline
▲ 0.50% · 4.625%
HK$119,672
+HK$5,992/mo
Deposit HK$21.26M · loan HK$21.26M · min. income ≈ HK$227,360/mo (50% DSR)
Upfront cash ≈ HK$23.06M (deposit + AVD stamp duty HK$1,806,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,337
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$119,956
−HK$3,676/mo
Today · 4.125%
HK$123,632
baseline
▲ 0.50% · 4.625%
HK$131,155
+HK$7,523/mo
Deposit HK$17.01M · loan HK$25.51M · min. income ≈ HK$247,264/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,806,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,424
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$132,895
−HK$3,521/mo
Today · 4.125%
HK$136,416
baseline
▲ 0.50% · 4.625%
HK$143,607
+HK$7,191/mo
Deposit HK$17.01M · loan HK$25.51M · min. income ≈ HK$272,832/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,806,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,727
−HK$8,511/mo
▼ 0.25% · 3.875%
HK$139,949
−HK$4,289/mo
Today · 4.125%
HK$144,238
baseline
▲ 0.50% · 4.625%
HK$153,014
+HK$8,776/mo
Deposit HK$12.75M · loan HK$29.76M · min. income ≈ HK$288,476/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,806,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,995
−HK$8,157/mo
▼ 0.25% · 3.875%
HK$155,044
−HK$4,108/mo
Today · 4.125%
HK$159,152
baseline
▲ 0.50% · 4.625%
HK$167,541
+HK$8,389/mo
Deposit HK$12.75M · loan HK$29.76M · min. income ≈ HK$318,304/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,806,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,506
−HK$10,943/mo
▼ 0.25% · 3.875%
HK$179,934
−HK$5,515/mo
Today · 4.125%
HK$185,449
baseline
▲ 0.50% · 4.625%
HK$196,733
+HK$11,284/mo
Deposit HK$4.25M · loan HK$38.26M · min. income ≈ HK$370,898/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,806,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,136
−HK$10,488/mo
▼ 0.25% · 3.875%
HK$199,342
−HK$5,282/mo
Today · 4.125%
HK$204,624
baseline
▲ 0.50% · 4.625%
HK$215,410
+HK$10,786/mo
Deposit HK$4.25M · loan HK$38.26M · min. income ≈ HK$409,248/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$1,806,934 · Scale 2, in force from 26 Feb 2026)