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$102,699
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$105,894
−HK$3,246/mo
Today · 4.125%
HK$109,140
baseline
▲ 0.50% · 4.625%
HK$115,780
+HK$6,640/mo
Deposit HK$22.52M · loan HK$22.52M · min. income ≈ HK$218,280/mo (50% DSR)
Upfront cash ≈ HK$24.43M (deposit + AVD stamp duty HK$1,914,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,252
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$117,316
−HK$3,109/mo
Today · 4.125%
HK$120,425
baseline
▲ 0.50% · 4.625%
HK$126,772
+HK$6,347/mo
Deposit HK$22.52M · loan HK$22.52M · min. income ≈ HK$240,850/mo (50% DSR)
Upfront cash ≈ HK$24.43M (deposit + AVD stamp duty HK$1,914,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,239
−HK$7,728/mo
▼ 0.25% · 3.875%
HK$127,073
−HK$3,894/mo
Today · 4.125%
HK$130,967
baseline
▲ 0.50% · 4.625%
HK$138,936
+HK$7,969/mo
Deposit HK$18.02M · loan HK$27.02M · min. income ≈ HK$261,934/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,914,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,102
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$140,779
−HK$3,731/mo
Today · 4.125%
HK$144,510
baseline
▲ 0.50% · 4.625%
HK$152,127
+HK$7,617/mo
Deposit HK$18.02M · loan HK$27.02M · min. income ≈ HK$289,020/mo (50% DSR)
Upfront cash ≈ HK$19.93M (deposit + AVD stamp duty HK$1,914,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,779
−HK$9,016/mo
▼ 0.25% · 3.875%
HK$148,251
−HK$4,544/mo
Today · 4.125%
HK$152,795
baseline
▲ 0.50% · 4.625%
HK$162,093
+HK$9,298/mo
Deposit HK$13.51M · loan HK$31.53M · min. income ≈ HK$305,590/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,914,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,953
−HK$8,642/mo
▼ 0.25% · 3.875%
HK$164,243
−HK$4,352/mo
Today · 4.125%
HK$168,595
baseline
▲ 0.50% · 4.625%
HK$177,481
+HK$8,886/mo
Deposit HK$13.51M · loan HK$31.53M · min. income ≈ HK$337,190/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,914,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,859
−HK$11,592/mo
▼ 0.25% · 3.875%
HK$190,609
−HK$5,842/mo
Today · 4.125%
HK$196,451
baseline
▲ 0.50% · 4.625%
HK$208,405
+HK$11,954/mo
Deposit HK$4.50M · loan HK$40.53M · min. income ≈ HK$392,902/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,914,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,654
−HK$11,110/mo
▼ 0.25% · 3.875%
HK$211,169
−HK$5,595/mo
Today · 4.125%
HK$216,764
baseline
▲ 0.50% · 4.625%
HK$228,190
+HK$11,426/mo
Deposit HK$4.50M · loan HK$40.53M · min. income ≈ HK$433,528/mo (50% DSR)
Upfront cash ≈ HK$6.42M (deposit + AVD stamp duty HK$1,914,137 · Scale 2, in force from 26 Feb 2026)