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$104,092
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$107,330
−HK$3,290/mo
Today · 4.125%
HK$110,620
baseline
▲ 0.50% · 4.625%
HK$117,351
+HK$6,731/mo
Deposit HK$22.82M · loan HK$22.82M · min. income ≈ HK$221,240/mo (50% DSR)
Upfront cash ≈ HK$24.76M (deposit + AVD stamp duty HK$1,940,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,802
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$118,908
−HK$3,150/mo
Today · 4.125%
HK$122,058
baseline
▲ 0.50% · 4.625%
HK$128,492
+HK$6,434/mo
Deposit HK$22.82M · loan HK$22.82M · min. income ≈ HK$244,116/mo (50% DSR)
Upfront cash ≈ HK$24.76M (deposit + AVD stamp duty HK$1,940,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,911
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$128,796
−HK$3,948/mo
Today · 4.125%
HK$132,744
baseline
▲ 0.50% · 4.625%
HK$140,821
+HK$8,077/mo
Deposit HK$18.26M · loan HK$27.39M · min. income ≈ HK$265,488/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,940,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,962
−HK$7,508/mo
▼ 0.25% · 3.875%
HK$142,689
−HK$3,781/mo
Today · 4.125%
HK$146,470
baseline
▲ 0.50% · 4.625%
HK$154,191
+HK$7,721/mo
Deposit HK$18.26M · loan HK$27.39M · min. income ≈ HK$292,940/mo (50% DSR)
Upfront cash ≈ HK$20.20M (deposit + AVD stamp duty HK$1,940,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,729
−HK$9,139/mo
▼ 0.25% · 3.875%
HK$150,262
−HK$4,606/mo
Today · 4.125%
HK$154,868
baseline
▲ 0.50% · 4.625%
HK$164,291
+HK$9,423/mo
Deposit HK$13.69M · loan HK$31.95M · min. income ≈ HK$309,736/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,940,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,123
−HK$8,759/mo
▼ 0.25% · 3.875%
HK$166,471
−HK$4,411/mo
Today · 4.125%
HK$170,882
baseline
▲ 0.50% · 4.625%
HK$179,889
+HK$9,007/mo
Deposit HK$13.69M · loan HK$31.95M · min. income ≈ HK$341,764/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,940,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,366
−HK$11,750/mo
▼ 0.25% · 3.875%
HK$193,195
−HK$5,921/mo
Today · 4.125%
HK$199,116
baseline
▲ 0.50% · 4.625%
HK$211,232
+HK$12,116/mo
Deposit HK$4.56M · loan HK$41.08M · min. income ≈ HK$398,232/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,940,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,443
−HK$11,262/mo
▼ 0.25% · 3.875%
HK$214,034
−HK$5,671/mo
Today · 4.125%
HK$219,705
baseline
▲ 0.50% · 4.625%
HK$231,286
+HK$11,581/mo
Deposit HK$4.56M · loan HK$41.08M · min. income ≈ HK$439,410/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$1,940,103 · Scale 2, in force from 26 Feb 2026)