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$105,840
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$109,132
−HK$3,345/mo
Today · 4.125%
HK$112,477
baseline
▲ 0.50% · 4.625%
HK$119,321
+HK$6,844/mo
Deposit HK$23.21M · loan HK$23.21M · min. income ≈ HK$224,954/mo (50% DSR)
Upfront cash ≈ HK$25.18M (deposit + AVD stamp duty HK$1,972,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,746
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$120,904
−HK$3,203/mo
Today · 4.125%
HK$124,107
baseline
▲ 0.50% · 4.625%
HK$130,649
+HK$6,542/mo
Deposit HK$23.21M · loan HK$23.21M · min. income ≈ HK$248,214/mo (50% DSR)
Upfront cash ≈ HK$25.18M (deposit + AVD stamp duty HK$1,972,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,008
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$130,959
−HK$4,014/mo
Today · 4.125%
HK$134,973
baseline
▲ 0.50% · 4.625%
HK$143,185
+HK$8,212/mo
Deposit HK$18.57M · loan HK$27.85M · min. income ≈ HK$269,946/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,972,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,295
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$145,085
−HK$3,844/mo
Today · 4.125%
HK$148,929
baseline
▲ 0.50% · 4.625%
HK$156,779
+HK$7,850/mo
Deposit HK$18.57M · loan HK$27.85M · min. income ≈ HK$297,858/mo (50% DSR)
Upfront cash ≈ HK$20.54M (deposit + AVD stamp duty HK$1,972,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,176
−HK$9,292/mo
▼ 0.25% · 3.875%
HK$152,785
−HK$4,683/mo
Today · 4.125%
HK$157,468
baseline
▲ 0.50% · 4.625%
HK$167,050
+HK$9,582/mo
Deposit HK$13.92M · loan HK$32.49M · min. income ≈ HK$314,936/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,972,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,844
−HK$8,906/mo
▼ 0.25% · 3.875%
HK$169,265
−HK$4,485/mo
Today · 4.125%
HK$173,750
baseline
▲ 0.50% · 4.625%
HK$182,909
+HK$9,159/mo
Deposit HK$13.92M · loan HK$32.49M · min. income ≈ HK$347,500/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,972,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,512
−HK$11,947/mo
▼ 0.25% · 3.875%
HK$196,438
−HK$6,021/mo
Today · 4.125%
HK$202,459
baseline
▲ 0.50% · 4.625%
HK$214,778
+HK$12,319/mo
Deposit HK$4.64M · loan HK$41.77M · min. income ≈ HK$404,918/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,972,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,943
−HK$11,450/mo
▼ 0.25% · 3.875%
HK$217,627
−HK$5,766/mo
Today · 4.125%
HK$223,393
baseline
▲ 0.50% · 4.625%
HK$235,169
+HK$11,776/mo
Deposit HK$4.64M · loan HK$41.77M · min. income ≈ HK$446,786/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$1,972,674 · Scale 2, in force from 26 Feb 2026)