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$95,431
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$98,399
−HK$3,016/mo
Today · 4.125%
HK$101,415
baseline
▲ 0.50% · 4.625%
HK$107,586
+HK$6,171/mo
Deposit HK$20.93M · loan HK$20.93M · min. income ≈ HK$202,830/mo (50% DSR)
Upfront cash ≈ HK$22.70M (deposit + AVD stamp duty HK$1,778,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,166
−HK$5,736/mo
▼ 0.25% · 3.875%
HK$109,013
−HK$2,889/mo
Today · 4.125%
HK$111,902
baseline
▲ 0.50% · 4.625%
HK$117,800
+HK$5,898/mo
Deposit HK$20.93M · loan HK$20.93M · min. income ≈ HK$223,804/mo (50% DSR)
Upfront cash ≈ HK$22.70M (deposit + AVD stamp duty HK$1,778,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,517
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$118,079
−HK$3,619/mo
Today · 4.125%
HK$121,698
baseline
▲ 0.50% · 4.625%
HK$129,103
+HK$7,405/mo
Deposit HK$16.74M · loan HK$25.11M · min. income ≈ HK$243,396/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,778,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,399
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$130,816
−HK$3,466/mo
Today · 4.125%
HK$134,282
baseline
▲ 0.50% · 4.625%
HK$141,360
+HK$7,078/mo
Deposit HK$16.74M · loan HK$25.11M · min. income ≈ HK$268,564/mo (50% DSR)
Upfront cash ≈ HK$18.52M (deposit + AVD stamp duty HK$1,778,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,603
−HK$8,378/mo
▼ 0.25% · 3.875%
HK$137,759
−HK$4,222/mo
Today · 4.125%
HK$141,981
baseline
▲ 0.50% · 4.625%
HK$150,621
+HK$8,640/mo
Deposit HK$12.56M · loan HK$29.30M · min. income ≈ HK$283,962/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,778,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,632
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$152,618
−HK$4,044/mo
Today · 4.125%
HK$156,662
baseline
▲ 0.50% · 4.625%
HK$164,920
+HK$8,258/mo
Deposit HK$12.56M · loan HK$29.30M · min. income ≈ HK$313,324/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,778,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,776
−HK$10,771/mo
▼ 0.25% · 3.875%
HK$177,119
−HK$5,428/mo
Today · 4.125%
HK$182,547
baseline
▲ 0.50% · 4.625%
HK$193,655
+HK$11,108/mo
Deposit HK$4.19M · loan HK$37.67M · min. income ≈ HK$365,094/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,778,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,099
−HK$10,324/mo
▼ 0.25% · 3.875%
HK$196,224
−HK$5,199/mo
Today · 4.125%
HK$201,423
baseline
▲ 0.50% · 4.625%
HK$212,040
+HK$10,617/mo
Deposit HK$4.19M · loan HK$37.67M · min. income ≈ HK$402,846/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$1,778,666 · Scale 2, in force from 26 Feb 2026)