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$96,123
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$99,113
−HK$3,038/mo
Today · 4.125%
HK$102,151
baseline
▲ 0.50% · 4.625%
HK$108,366
+HK$6,215/mo
Deposit HK$21.08M · loan HK$21.08M · min. income ≈ HK$204,302/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$1,791,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,936
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$109,804
−HK$2,909/mo
Today · 4.125%
HK$112,713
baseline
▲ 0.50% · 4.625%
HK$118,654
+HK$5,941/mo
Deposit HK$21.08M · loan HK$21.08M · min. income ≈ HK$225,426/mo (50% DSR)
Upfront cash ≈ HK$22.87M (deposit + AVD stamp duty HK$1,791,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,348
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$118,935
−HK$3,646/mo
Today · 4.125%
HK$122,581
baseline
▲ 0.50% · 4.625%
HK$130,040
+HK$7,459/mo
Deposit HK$16.86M · loan HK$25.29M · min. income ≈ HK$245,162/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$1,791,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,323
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$131,765
−HK$3,491/mo
Today · 4.125%
HK$135,256
baseline
▲ 0.50% · 4.625%
HK$142,385
+HK$7,129/mo
Deposit HK$16.86M · loan HK$25.29M · min. income ≈ HK$270,512/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$1,791,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,572
−HK$8,439/mo
▼ 0.25% · 3.875%
HK$138,758
−HK$4,253/mo
Today · 4.125%
HK$143,011
baseline
▲ 0.50% · 4.625%
HK$151,713
+HK$8,702/mo
Deposit HK$12.65M · loan HK$29.51M · min. income ≈ HK$286,022/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,791,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,710
−HK$8,088/mo
▼ 0.25% · 3.875%
HK$153,725
−HK$4,073/mo
Today · 4.125%
HK$157,798
baseline
▲ 0.50% · 4.625%
HK$166,116
+HK$8,318/mo
Deposit HK$12.65M · loan HK$29.51M · min. income ≈ HK$315,596/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,791,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,021
−HK$10,850/mo
▼ 0.25% · 3.875%
HK$178,403
−HK$5,468/mo
Today · 4.125%
HK$183,871
baseline
▲ 0.50% · 4.625%
HK$195,059
+HK$11,188/mo
Deposit HK$4.22M · loan HK$37.94M · min. income ≈ HK$367,742/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,791,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,484
−HK$10,400/mo
▼ 0.25% · 3.875%
HK$197,647
−HK$5,237/mo
Today · 4.125%
HK$202,884
baseline
▲ 0.50% · 4.625%
HK$213,578
+HK$10,694/mo
Deposit HK$4.22M · loan HK$37.94M · min. income ≈ HK$405,768/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,791,564 · Scale 2, in force from 26 Feb 2026)