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$100,203
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$103,320
−HK$3,166/mo
Today · 4.125%
HK$106,486
baseline
▲ 0.50% · 4.625%
HK$112,966
+HK$6,480/mo
Deposit HK$21.97M · loan HK$21.97M · min. income ≈ HK$212,972/mo (50% DSR)
Upfront cash ≈ HK$23.84M (deposit + AVD stamp duty HK$1,867,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,475
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$114,464
−HK$3,033/mo
Today · 4.125%
HK$117,497
baseline
▲ 0.50% · 4.625%
HK$123,691
+HK$6,194/mo
Deposit HK$21.97M · loan HK$21.97M · min. income ≈ HK$234,994/mo (50% DSR)
Upfront cash ≈ HK$23.84M (deposit + AVD stamp duty HK$1,867,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,243
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$123,984
−HK$3,800/mo
Today · 4.125%
HK$127,784
baseline
▲ 0.50% · 4.625%
HK$135,559
+HK$7,775/mo
Deposit HK$17.58M · loan HK$26.37M · min. income ≈ HK$255,568/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,867,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,769
−HK$7,228/mo
▼ 0.25% · 3.875%
HK$137,357
−HK$3,640/mo
Today · 4.125%
HK$140,997
baseline
▲ 0.50% · 4.625%
HK$148,429
+HK$7,432/mo
Deposit HK$17.58M · loan HK$26.37M · min. income ≈ HK$281,994/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,867,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,284
−HK$8,797/mo
▼ 0.25% · 3.875%
HK$144,647
−HK$4,434/mo
Today · 4.125%
HK$149,081
baseline
▲ 0.50% · 4.625%
HK$158,152
+HK$9,071/mo
Deposit HK$13.18M · loan HK$30.76M · min. income ≈ HK$298,162/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,867,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,064
−HK$8,432/mo
▼ 0.25% · 3.875%
HK$160,250
−HK$4,246/mo
Today · 4.125%
HK$164,496
baseline
▲ 0.50% · 4.625%
HK$173,167
+HK$8,671/mo
Deposit HK$13.18M · loan HK$30.76M · min. income ≈ HK$328,992/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,867,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,365
−HK$11,310/mo
▼ 0.25% · 3.875%
HK$185,975
−HK$5,700/mo
Today · 4.125%
HK$191,675
baseline
▲ 0.50% · 4.625%
HK$203,338
+HK$11,663/mo
Deposit HK$4.39M · loan HK$39.55M · min. income ≈ HK$383,350/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,867,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,654
−HK$10,841/mo
▼ 0.25% · 3.875%
HK$206,036
−HK$5,459/mo
Today · 4.125%
HK$211,495
baseline
▲ 0.50% · 4.625%
HK$222,643
+HK$11,148/mo
Deposit HK$4.39M · loan HK$39.55M · min. income ≈ HK$422,990/mo (50% DSR)
Upfront cash ≈ HK$6.26M (deposit + AVD stamp duty HK$1,867,604 · Scale 2, in force from 26 Feb 2026)