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$104,267
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$107,511
−HK$3,295/mo
Today · 4.125%
HK$110,806
baseline
▲ 0.50% · 4.625%
HK$117,548
+HK$6,742/mo
Deposit HK$22.86M · loan HK$22.86M · min. income ≈ HK$221,612/mo (50% DSR)
Upfront cash ≈ HK$24.81M (deposit + AVD stamp duty HK$1,943,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,996
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$119,107
−HK$3,156/mo
Today · 4.125%
HK$122,263
baseline
▲ 0.50% · 4.625%
HK$128,708
+HK$6,445/mo
Deposit HK$22.86M · loan HK$22.86M · min. income ≈ HK$244,526/mo (50% DSR)
Upfront cash ≈ HK$24.81M (deposit + AVD stamp duty HK$1,943,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,121
−HK$7,846/mo
▼ 0.25% · 3.875%
HK$129,013
−HK$3,954/mo
Today · 4.125%
HK$132,967
baseline
▲ 0.50% · 4.625%
HK$141,058
+HK$8,091/mo
Deposit HK$18.29M · loan HK$27.44M · min. income ≈ HK$265,934/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,943,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,196
−HK$7,520/mo
▼ 0.25% · 3.875%
HK$142,929
−HK$3,787/mo
Today · 4.125%
HK$146,716
baseline
▲ 0.50% · 4.625%
HK$154,449
+HK$7,733/mo
Deposit HK$18.29M · loan HK$27.44M · min. income ≈ HK$293,432/mo (50% DSR)
Upfront cash ≈ HK$20.23M (deposit + AVD stamp duty HK$1,943,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,974
−HK$9,154/mo
▼ 0.25% · 3.875%
HK$150,515
−HK$4,613/mo
Today · 4.125%
HK$155,128
baseline
▲ 0.50% · 4.625%
HK$164,567
+HK$9,439/mo
Deposit HK$13.72M · loan HK$32.01M · min. income ≈ HK$310,256/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,943,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,395
−HK$8,774/mo
▼ 0.25% · 3.875%
HK$166,750
−HK$4,419/mo
Today · 4.125%
HK$171,169
baseline
▲ 0.50% · 4.625%
HK$180,191
+HK$9,022/mo
Deposit HK$13.72M · loan HK$32.01M · min. income ≈ HK$342,338/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,943,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,681
−HK$11,769/mo
▼ 0.25% · 3.875%
HK$193,519
−HK$5,931/mo
Today · 4.125%
HK$199,450
baseline
▲ 0.50% · 4.625%
HK$211,586
+HK$12,136/mo
Deposit HK$4.57M · loan HK$41.15M · min. income ≈ HK$398,900/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,943,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,793
−HK$11,281/mo
▼ 0.25% · 3.875%
HK$214,393
−HK$5,681/mo
Today · 4.125%
HK$220,074
baseline
▲ 0.50% · 4.625%
HK$231,674
+HK$11,600/mo
Deposit HK$4.57M · loan HK$41.15M · min. income ≈ HK$440,148/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$1,943,361 · Scale 2, in force from 26 Feb 2026)