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$105,311
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$108,586
−HK$3,328/mo
Today · 4.125%
HK$111,914
baseline
▲ 0.50% · 4.625%
HK$118,724
+HK$6,810/mo
Deposit HK$23.09M · loan HK$23.09M · min. income ≈ HK$223,828/mo (50% DSR)
Upfront cash ≈ HK$25.05M (deposit + AVD stamp duty HK$1,962,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,157
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$120,299
−HK$3,188/mo
Today · 4.125%
HK$123,487
baseline
▲ 0.50% · 4.625%
HK$129,996
+HK$6,509/mo
Deposit HK$23.09M · loan HK$23.09M · min. income ≈ HK$246,974/mo (50% DSR)
Upfront cash ≈ HK$25.05M (deposit + AVD stamp duty HK$1,962,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,373
−HK$7,924/mo
▼ 0.25% · 3.875%
HK$130,304
−HK$3,993/mo
Today · 4.125%
HK$134,297
baseline
▲ 0.50% · 4.625%
HK$142,469
+HK$8,172/mo
Deposit HK$18.47M · loan HK$27.71M · min. income ≈ HK$268,594/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,962,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,588
−HK$7,596/mo
▼ 0.25% · 3.875%
HK$144,359
−HK$3,825/mo
Today · 4.125%
HK$148,184
baseline
▲ 0.50% · 4.625%
HK$155,995
+HK$7,811/mo
Deposit HK$18.47M · loan HK$27.71M · min. income ≈ HK$296,368/mo (50% DSR)
Upfront cash ≈ HK$20.44M (deposit + AVD stamp duty HK$1,962,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,435
−HK$9,245/mo
▼ 0.25% · 3.875%
HK$152,021
−HK$4,659/mo
Today · 4.125%
HK$156,680
baseline
▲ 0.50% · 4.625%
HK$166,214
+HK$9,534/mo
Deposit HK$13.86M · loan HK$32.33M · min. income ≈ HK$313,360/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,962,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,020
−HK$8,861/mo
▼ 0.25% · 3.875%
HK$168,419
−HK$4,462/mo
Today · 4.125%
HK$172,881
baseline
▲ 0.50% · 4.625%
HK$181,994
+HK$9,113/mo
Deposit HK$13.86M · loan HK$32.33M · min. income ≈ HK$345,762/mo (50% DSR)
Upfront cash ≈ HK$15.82M (deposit + AVD stamp duty HK$1,962,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,559
−HK$11,887/mo
▼ 0.25% · 3.875%
HK$195,455
−HK$5,991/mo
Today · 4.125%
HK$201,446
baseline
▲ 0.50% · 4.625%
HK$213,704
+HK$12,258/mo
Deposit HK$4.62M · loan HK$41.57M · min. income ≈ HK$402,892/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,962,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,883
−HK$11,393/mo
▼ 0.25% · 3.875%
HK$216,538
−HK$5,738/mo
Today · 4.125%
HK$222,276
baseline
▲ 0.50% · 4.625%
HK$233,992
+HK$11,716/mo
Deposit HK$4.62M · loan HK$41.57M · min. income ≈ HK$444,552/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$1,962,806 · Scale 2, in force from 26 Feb 2026)