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$102,050
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$105,224
−HK$3,226/mo
Today · 4.125%
HK$108,450
baseline
▲ 0.50% · 4.625%
HK$115,048
+HK$6,598/mo
Deposit HK$22.38M · loan HK$22.38M · min. income ≈ HK$216,900/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,902,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,530
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$116,575
−HK$3,088/mo
Today · 4.125%
HK$119,663
baseline
▲ 0.50% · 4.625%
HK$125,971
+HK$6,308/mo
Deposit HK$22.38M · loan HK$22.38M · min. income ≈ HK$239,326/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,902,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,460
−HK$7,679/mo
▼ 0.25% · 3.875%
HK$126,269
−HK$3,870/mo
Today · 4.125%
HK$130,139
baseline
▲ 0.50% · 4.625%
HK$138,058
+HK$7,919/mo
Deposit HK$17.90M · loan HK$26.85M · min. income ≈ HK$260,278/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,902,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,236
−HK$7,360/mo
▼ 0.25% · 3.875%
HK$139,889
−HK$3,707/mo
Today · 4.125%
HK$143,596
baseline
▲ 0.50% · 4.625%
HK$151,165
+HK$7,569/mo
Deposit HK$17.90M · loan HK$26.85M · min. income ≈ HK$287,192/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,902,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,870
−HK$8,959/mo
▼ 0.25% · 3.875%
HK$147,314
−HK$4,515/mo
Today · 4.125%
HK$151,829
baseline
▲ 0.50% · 4.625%
HK$161,068
+HK$9,239/mo
Deposit HK$13.43M · loan HK$31.33M · min. income ≈ HK$303,658/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,902,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,942
−HK$8,587/mo
▼ 0.25% · 3.875%
HK$163,204
−HK$4,325/mo
Today · 4.125%
HK$167,529
baseline
▲ 0.50% · 4.625%
HK$176,359
+HK$8,830/mo
Deposit HK$13.43M · loan HK$31.33M · min. income ≈ HK$335,058/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,902,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,690
−HK$11,519/mo
▼ 0.25% · 3.875%
HK$189,404
−HK$5,805/mo
Today · 4.125%
HK$195,209
baseline
▲ 0.50% · 4.625%
HK$207,087
+HK$11,878/mo
Deposit HK$4.48M · loan HK$40.28M · min. income ≈ HK$390,418/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,902,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,354
−HK$11,040/mo
▼ 0.25% · 3.875%
HK$209,834
−HK$5,560/mo
Today · 4.125%
HK$215,394
baseline
▲ 0.50% · 4.625%
HK$226,748
+HK$11,354/mo
Deposit HK$4.48M · loan HK$40.28M · min. income ≈ HK$430,788/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,902,037 · Scale 2, in force from 26 Feb 2026)