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$95,892
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$98,875
−HK$3,030/mo
Today · 4.125%
HK$101,905
baseline
▲ 0.50% · 4.625%
HK$108,106
+HK$6,201/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$203,810/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$1,787,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,679
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$109,540
−HK$2,902/mo
Today · 4.125%
HK$112,442
baseline
▲ 0.50% · 4.625%
HK$118,369
+HK$5,927/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$224,884/mo (50% DSR)
Upfront cash ≈ HK$22.81M (deposit + AVD stamp duty HK$1,787,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,070
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$118,649
−HK$3,637/mo
Today · 4.125%
HK$122,286
baseline
▲ 0.50% · 4.625%
HK$129,727
+HK$7,441/mo
Deposit HK$16.82M · loan HK$25.23M · min. income ≈ HK$244,572/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,014
−HK$6,917/mo
▼ 0.25% · 3.875%
HK$131,448
−HK$3,483/mo
Today · 4.125%
HK$134,931
baseline
▲ 0.50% · 4.625%
HK$142,043
+HK$7,112/mo
Deposit HK$16.82M · loan HK$25.23M · min. income ≈ HK$269,862/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,248
−HK$8,419/mo
▼ 0.25% · 3.875%
HK$138,424
−HK$4,243/mo
Today · 4.125%
HK$142,667
baseline
▲ 0.50% · 4.625%
HK$151,348
+HK$8,681/mo
Deposit HK$12.62M · loan HK$29.44M · min. income ≈ HK$285,334/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,787,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,350
−HK$8,069/mo
▼ 0.25% · 3.875%
HK$153,356
−HK$4,063/mo
Today · 4.125%
HK$157,419
baseline
▲ 0.50% · 4.625%
HK$165,717
+HK$8,298/mo
Deposit HK$12.62M · loan HK$29.44M · min. income ≈ HK$314,838/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,787,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,605
−HK$10,824/mo
▼ 0.25% · 3.875%
HK$177,974
−HK$5,455/mo
Today · 4.125%
HK$183,429
baseline
▲ 0.50% · 4.625%
HK$194,590
+HK$11,161/mo
Deposit HK$4.21M · loan HK$37.85M · min. income ≈ HK$366,858/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,022
−HK$10,374/mo
▼ 0.25% · 3.875%
HK$197,171
−HK$5,225/mo
Today · 4.125%
HK$202,396
baseline
▲ 0.50% · 4.625%
HK$213,064
+HK$10,668/mo
Deposit HK$4.21M · loan HK$37.85M · min. income ≈ HK$404,792/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,256 · Scale 2, in force from 26 Feb 2026)