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$96,595
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$99,600
−HK$3,052/mo
Today · 4.125%
HK$102,652
baseline
▲ 0.50% · 4.625%
HK$108,898
+HK$6,246/mo
Deposit HK$21.18M · loan HK$21.18M · min. income ≈ HK$205,304/mo (50% DSR)
Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$1,800,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,461
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$110,343
−HK$2,924/mo
Today · 4.125%
HK$113,267
baseline
▲ 0.50% · 4.625%
HK$119,237
+HK$5,970/mo
Deposit HK$21.18M · loan HK$21.18M · min. income ≈ HK$226,534/mo (50% DSR)
Upfront cash ≈ HK$22.98M (deposit + AVD stamp duty HK$1,800,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,914
−HK$7,269/mo
▼ 0.25% · 3.875%
HK$119,519
−HK$3,664/mo
Today · 4.125%
HK$123,183
baseline
▲ 0.50% · 4.625%
HK$130,678
+HK$7,495/mo
Deposit HK$16.94M · loan HK$25.42M · min. income ≈ HK$246,366/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,800,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,953
−HK$6,967/mo
▼ 0.25% · 3.875%
HK$132,411
−HK$3,509/mo
Today · 4.125%
HK$135,920
baseline
▲ 0.50% · 4.625%
HK$143,084
+HK$7,164/mo
Deposit HK$16.94M · loan HK$25.42M · min. income ≈ HK$271,840/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,800,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,233
−HK$8,480/mo
▼ 0.25% · 3.875%
HK$139,439
−HK$4,274/mo
Today · 4.125%
HK$143,713
baseline
▲ 0.50% · 4.625%
HK$152,458
+HK$8,745/mo
Deposit HK$12.71M · loan HK$29.65M · min. income ≈ HK$287,426/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,800,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,445
−HK$8,128/mo
▼ 0.25% · 3.875%
HK$154,480
−HK$4,093/mo
Today · 4.125%
HK$158,573
baseline
▲ 0.50% · 4.625%
HK$166,932
+HK$8,359/mo
Deposit HK$12.71M · loan HK$29.65M · min. income ≈ HK$317,146/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,800,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,871
−HK$10,903/mo
▼ 0.25% · 3.875%
HK$179,279
−HK$5,495/mo
Today · 4.125%
HK$184,774
baseline
▲ 0.50% · 4.625%
HK$196,017
+HK$11,243/mo
Deposit HK$4.24M · loan HK$38.13M · min. income ≈ HK$369,548/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,800,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,429
−HK$10,451/mo
▼ 0.25% · 3.875%
HK$198,617
−HK$5,263/mo
Today · 4.125%
HK$203,880
baseline
▲ 0.50% · 4.625%
HK$214,627
+HK$10,747/mo
Deposit HK$4.24M · loan HK$38.13M · min. income ≈ HK$407,760/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$1,800,360 · Scale 2, in force from 26 Feb 2026)