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$102,145
−HK$6,405/mo
▼ 0.25% · 3.875%
HK$105,322
−HK$3,228/mo
Today · 4.125%
HK$108,550
baseline
▲ 0.50% · 4.625%
HK$115,155
+HK$6,605/mo
Deposit HK$22.40M · loan HK$22.40M · min. income ≈ HK$217,100/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$1,903,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,635
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$116,683
−HK$3,092/mo
Today · 4.125%
HK$119,775
baseline
▲ 0.50% · 4.625%
HK$126,088
+HK$6,313/mo
Deposit HK$22.40M · loan HK$22.40M · min. income ≈ HK$239,550/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$1,903,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,574
−HK$7,686/mo
▼ 0.25% · 3.875%
HK$126,387
−HK$3,873/mo
Today · 4.125%
HK$130,260
baseline
▲ 0.50% · 4.625%
HK$138,187
+HK$7,927/mo
Deposit HK$17.92M · loan HK$26.88M · min. income ≈ HK$260,520/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,903,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,362
−HK$7,368/mo
▼ 0.25% · 3.875%
HK$140,020
−HK$3,710/mo
Today · 4.125%
HK$143,730
baseline
▲ 0.50% · 4.625%
HK$151,306
+HK$7,576/mo
Deposit HK$17.92M · loan HK$26.88M · min. income ≈ HK$287,460/mo (50% DSR)
Upfront cash ≈ HK$19.82M (deposit + AVD stamp duty HK$1,903,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,003
−HK$8,968/mo
▼ 0.25% · 3.875%
HK$147,451
−HK$4,520/mo
Today · 4.125%
HK$151,971
baseline
▲ 0.50% · 4.625%
HK$161,218
+HK$9,247/mo
Deposit HK$13.44M · loan HK$31.36M · min. income ≈ HK$303,942/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,903,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,089
−HK$8,596/mo
▼ 0.25% · 3.875%
HK$163,356
−HK$4,329/mo
Today · 4.125%
HK$167,685
baseline
▲ 0.50% · 4.625%
HK$176,523
+HK$8,838/mo
Deposit HK$13.44M · loan HK$31.36M · min. income ≈ HK$335,370/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,903,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,861
−HK$11,530/mo
▼ 0.25% · 3.875%
HK$189,580
−HK$5,811/mo
Today · 4.125%
HK$195,391
baseline
▲ 0.50% · 4.625%
HK$207,280
+HK$11,889/mo
Deposit HK$4.48M · loan HK$40.32M · min. income ≈ HK$390,782/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,903,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,544
−HK$11,050/mo
▼ 0.25% · 3.875%
HK$210,029
−HK$5,565/mo
Today · 4.125%
HK$215,594
baseline
▲ 0.50% · 4.625%
HK$226,959
+HK$11,365/mo
Deposit HK$4.48M · loan HK$40.32M · min. income ≈ HK$431,188/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,903,805 · Scale 2, in force from 26 Feb 2026)