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$100,810
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$103,946
−HK$3,186/mo
Today · 4.125%
HK$107,132
baseline
▲ 0.50% · 4.625%
HK$113,651
+HK$6,519/mo
Deposit HK$22.11M · loan HK$22.11M · min. income ≈ HK$214,264/mo (50% DSR)
Upfront cash ≈ HK$23.98M (deposit + AVD stamp duty HK$1,878,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,150
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$115,158
−HK$3,052/mo
Today · 4.125%
HK$118,210
baseline
▲ 0.50% · 4.625%
HK$124,441
+HK$6,231/mo
Deposit HK$22.11M · loan HK$22.11M · min. income ≈ HK$236,420/mo (50% DSR)
Upfront cash ≈ HK$23.98M (deposit + AVD stamp duty HK$1,878,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,972
−HK$7,586/mo
▼ 0.25% · 3.875%
HK$124,735
−HK$3,823/mo
Today · 4.125%
HK$128,558
baseline
▲ 0.50% · 4.625%
HK$136,381
+HK$7,823/mo
Deposit HK$17.68M · loan HK$26.53M · min. income ≈ HK$257,116/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,878,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,580
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$138,190
−HK$3,661/mo
Today · 4.125%
HK$141,851
baseline
▲ 0.50% · 4.625%
HK$149,329
+HK$7,478/mo
Deposit HK$17.68M · loan HK$26.53M · min. income ≈ HK$283,702/mo (50% DSR)
Upfront cash ≈ HK$19.56M (deposit + AVD stamp duty HK$1,878,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,134
−HK$8,851/mo
▼ 0.25% · 3.875%
HK$145,524
−HK$4,461/mo
Today · 4.125%
HK$149,985
baseline
▲ 0.50% · 4.625%
HK$159,111
+HK$9,126/mo
Deposit HK$13.26M · loan HK$30.95M · min. income ≈ HK$299,970/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,878,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,011
−HK$8,482/mo
▼ 0.25% · 3.875%
HK$161,222
−HK$4,271/mo
Today · 4.125%
HK$165,493
baseline
▲ 0.50% · 4.625%
HK$174,217
+HK$8,724/mo
Deposit HK$13.26M · loan HK$30.95M · min. income ≈ HK$330,986/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,878,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,458
−HK$11,380/mo
▼ 0.25% · 3.875%
HK$187,103
−HK$5,735/mo
Today · 4.125%
HK$192,838
baseline
▲ 0.50% · 4.625%
HK$204,571
+HK$11,733/mo
Deposit HK$4.42M · loan HK$39.79M · min. income ≈ HK$385,676/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,878,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,871
−HK$10,906/mo
▼ 0.25% · 3.875%
HK$207,285
−HK$5,492/mo
Today · 4.125%
HK$212,777
baseline
▲ 0.50% · 4.625%
HK$223,993
+HK$11,216/mo
Deposit HK$4.42M · loan HK$39.79M · min. income ≈ HK$425,554/mo (50% DSR)
Upfront cash ≈ HK$6.30M (deposit + AVD stamp duty HK$1,878,928 · Scale 2, in force from 26 Feb 2026)