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$98,502
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$101,566
−HK$3,113/mo
Today · 4.125%
HK$104,679
baseline
▲ 0.50% · 4.625%
HK$111,048
+HK$6,369/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$209,358/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$1,835,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,582
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,521
−HK$2,982/mo
Today · 4.125%
HK$115,503
baseline
▲ 0.50% · 4.625%
HK$121,591
+HK$6,088/mo
Deposit HK$21.60M · loan HK$21.60M · min. income ≈ HK$231,006/mo (50% DSR)
Upfront cash ≈ HK$23.43M (deposit + AVD stamp duty HK$1,835,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,202
−HK$7,413/mo
▼ 0.25% · 3.875%
HK$121,879
−HK$3,736/mo
Today · 4.125%
HK$125,615
baseline
▲ 0.50% · 4.625%
HK$133,258
+HK$7,643/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$251,230/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,835,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,499
−HK$7,104/mo
▼ 0.25% · 3.875%
HK$135,026
−HK$3,577/mo
Today · 4.125%
HK$138,603
baseline
▲ 0.50% · 4.625%
HK$145,909
+HK$7,306/mo
Deposit HK$17.28M · loan HK$25.92M · min. income ≈ HK$277,206/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,835,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,903
−HK$8,647/mo
▼ 0.25% · 3.875%
HK$142,192
−HK$4,358/mo
Today · 4.125%
HK$146,550
baseline
▲ 0.50% · 4.625%
HK$155,468
+HK$8,918/mo
Deposit HK$12.96M · loan HK$30.24M · min. income ≈ HK$293,100/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,835,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,415
−HK$8,289/mo
▼ 0.25% · 3.875%
HK$157,530
−HK$4,174/mo
Today · 4.125%
HK$161,704
baseline
▲ 0.50% · 4.625%
HK$170,227
+HK$8,523/mo
Deposit HK$12.96M · loan HK$30.24M · min. income ≈ HK$323,408/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,835,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,303
−HK$11,119/mo
▼ 0.25% · 3.875%
HK$182,818
−HK$5,604/mo
Today · 4.125%
HK$188,422
baseline
▲ 0.50% · 4.625%
HK$199,887
+HK$11,465/mo
Deposit HK$4.32M · loan HK$38.88M · min. income ≈ HK$376,844/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,835,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,248
−HK$10,657/mo
▼ 0.25% · 3.875%
HK$202,538
−HK$5,367/mo
Today · 4.125%
HK$207,905
baseline
▲ 0.50% · 4.625%
HK$218,864
+HK$10,959/mo
Deposit HK$4.32M · loan HK$38.88M · min. income ≈ HK$415,810/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$1,835,903 · Scale 2, in force from 26 Feb 2026)