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$109,990
−HK$6,897/mo
▼ 0.25% · 3.875%
HK$113,411
−HK$3,476/mo
Today · 4.125%
HK$116,887
baseline
▲ 0.50% · 4.625%
HK$124,000
+HK$7,113/mo
Deposit HK$24.12M · loan HK$24.12M · min. income ≈ HK$233,774/mo (50% DSR)
Upfront cash ≈ HK$26.17M (deposit + AVD stamp duty HK$2,050,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,363
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$125,644
−HK$3,330/mo
Today · 4.125%
HK$128,974
baseline
▲ 0.50% · 4.625%
HK$135,772
+HK$6,798/mo
Deposit HK$24.12M · loan HK$24.12M · min. income ≈ HK$257,948/mo (50% DSR)
Upfront cash ≈ HK$26.17M (deposit + AVD stamp duty HK$2,050,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,988
−HK$8,277/mo
▼ 0.25% · 3.875%
HK$136,094
−HK$4,171/mo
Today · 4.125%
HK$140,265
baseline
▲ 0.50% · 4.625%
HK$148,800
+HK$8,535/mo
Deposit HK$19.29M · loan HK$28.94M · min. income ≈ HK$280,530/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$2,050,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,835
−HK$7,933/mo
▼ 0.25% · 3.875%
HK$150,773
−HK$3,995/mo
Today · 4.125%
HK$154,768
baseline
▲ 0.50% · 4.625%
HK$162,926
+HK$8,158/mo
Deposit HK$19.29M · loan HK$28.94M · min. income ≈ HK$309,536/mo (50% DSR)
Upfront cash ≈ HK$21.34M (deposit + AVD stamp duty HK$2,050,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,986
−HK$9,656/mo
▼ 0.25% · 3.875%
HK$158,776
−HK$4,866/mo
Today · 4.125%
HK$163,642
baseline
▲ 0.50% · 4.625%
HK$173,600
+HK$9,958/mo
Deposit HK$14.47M · loan HK$33.77M · min. income ≈ HK$327,284/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$2,050,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,308
−HK$9,255/mo
▼ 0.25% · 3.875%
HK$175,902
−HK$4,661/mo
Today · 4.125%
HK$180,563
baseline
▲ 0.50% · 4.625%
HK$190,081
+HK$9,518/mo
Deposit HK$14.47M · loan HK$33.77M · min. income ≈ HK$361,126/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$2,050,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,982
−HK$12,415/mo
▼ 0.25% · 3.875%
HK$204,140
−HK$6,257/mo
Today · 4.125%
HK$210,397
baseline
▲ 0.50% · 4.625%
HK$223,199
+HK$12,802/mo
Deposit HK$4.82M · loan HK$43.41M · min. income ≈ HK$420,794/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,050,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,253
−HK$11,900/mo
▼ 0.25% · 3.875%
HK$226,160
−HK$5,993/mo
Today · 4.125%
HK$232,153
baseline
▲ 0.50% · 4.625%
HK$244,390
+HK$12,237/mo
Deposit HK$4.82M · loan HK$43.41M · min. income ≈ HK$464,306/mo (50% DSR)
Upfront cash ≈ HK$6.87M (deposit + AVD stamp duty HK$2,050,022 · Scale 2, in force from 26 Feb 2026)