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$99,212
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$102,298
−HK$3,135/mo
Today · 4.125%
HK$105,433
baseline
▲ 0.50% · 4.625%
HK$111,848
+HK$6,415/mo
Deposit HK$21.75M · loan HK$21.75M · min. income ≈ HK$210,866/mo (50% DSR)
Upfront cash ≈ HK$23.60M (deposit + AVD stamp duty HK$1,849,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,372
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$113,332
−HK$3,003/mo
Today · 4.125%
HK$116,335
baseline
▲ 0.50% · 4.625%
HK$122,467
+HK$6,132/mo
Deposit HK$21.75M · loan HK$21.75M · min. income ≈ HK$232,670/mo (50% DSR)
Upfront cash ≈ HK$23.60M (deposit + AVD stamp duty HK$1,849,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,054
−HK$7,466/mo
▼ 0.25% · 3.875%
HK$122,757
−HK$3,763/mo
Today · 4.125%
HK$126,520
baseline
▲ 0.50% · 4.625%
HK$134,218
+HK$7,698/mo
Deposit HK$17.40M · loan HK$26.11M · min. income ≈ HK$253,040/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,849,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,446
−HK$7,156/mo
▼ 0.25% · 3.875%
HK$135,998
−HK$3,604/mo
Today · 4.125%
HK$139,602
baseline
▲ 0.50% · 4.625%
HK$146,961
+HK$7,359/mo
Deposit HK$17.40M · loan HK$26.11M · min. income ≈ HK$279,204/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,849,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,896
−HK$8,710/mo
▼ 0.25% · 3.875%
HK$143,217
−HK$4,389/mo
Today · 4.125%
HK$147,606
baseline
▲ 0.50% · 4.625%
HK$156,588
+HK$8,982/mo
Deposit HK$13.05M · loan HK$30.46M · min. income ≈ HK$295,212/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,849,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,521
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$158,665
−HK$4,204/mo
Today · 4.125%
HK$162,869
baseline
▲ 0.50% · 4.625%
HK$171,454
+HK$8,585/mo
Deposit HK$13.05M · loan HK$30.46M · min. income ≈ HK$325,738/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,849,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,581
−HK$11,198/mo
▼ 0.25% · 3.875%
HK$184,136
−HK$5,643/mo
Today · 4.125%
HK$189,779
baseline
▲ 0.50% · 4.625%
HK$201,327
+HK$11,548/mo
Deposit HK$4.35M · loan HK$39.16M · min. income ≈ HK$379,558/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,849,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,669
−HK$10,734/mo
▼ 0.25% · 3.875%
HK$203,998
−HK$5,405/mo
Today · 4.125%
HK$209,403
baseline
▲ 0.50% · 4.625%
HK$220,441
+HK$11,038/mo
Deposit HK$4.35M · loan HK$39.16M · min. income ≈ HK$418,806/mo (50% DSR)
Upfront cash ≈ HK$6.20M (deposit + AVD stamp duty HK$1,849,131 · Scale 2, in force from 26 Feb 2026)