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$104,807
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$108,067
−HK$3,313/mo
Today · 4.125%
HK$111,380
baseline
▲ 0.50% · 4.625%
HK$118,157
+HK$6,777/mo
Deposit HK$22.98M · loan HK$22.98M · min. income ≈ HK$222,760/mo (50% DSR)
Upfront cash ≈ HK$24.93M (deposit + AVD stamp duty HK$1,953,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,597
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$119,724
−HK$3,172/mo
Today · 4.125%
HK$122,896
baseline
▲ 0.50% · 4.625%
HK$129,375
+HK$6,479/mo
Deposit HK$22.98M · loan HK$22.98M · min. income ≈ HK$245,792/mo (50% DSR)
Upfront cash ≈ HK$24.93M (deposit + AVD stamp duty HK$1,953,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,769
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$129,681
−HK$3,975/mo
Today · 4.125%
HK$133,656
baseline
▲ 0.50% · 4.625%
HK$141,788
+HK$8,132/mo
Deposit HK$18.39M · loan HK$27.58M · min. income ≈ HK$267,312/mo (50% DSR)
Upfront cash ≈ HK$20.34M (deposit + AVD stamp duty HK$1,953,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,917
−HK$7,559/mo
▼ 0.25% · 3.875%
HK$143,669
−HK$3,807/mo
Today · 4.125%
HK$147,476
baseline
▲ 0.50% · 4.625%
HK$155,249
+HK$7,773/mo
Deposit HK$18.39M · loan HK$27.58M · min. income ≈ HK$294,952/mo (50% DSR)
Upfront cash ≈ HK$20.34M (deposit + AVD stamp duty HK$1,953,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,730
−HK$9,202/mo
▼ 0.25% · 3.875%
HK$151,294
−HK$4,638/mo
Today · 4.125%
HK$155,932
baseline
▲ 0.50% · 4.625%
HK$165,420
+HK$9,488/mo
Deposit HK$13.79M · loan HK$32.17M · min. income ≈ HK$311,864/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,953,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,236
−HK$8,819/mo
▼ 0.25% · 3.875%
HK$167,614
−HK$4,441/mo
Today · 4.125%
HK$172,055
baseline
▲ 0.50% · 4.625%
HK$181,124
+HK$9,069/mo
Deposit HK$13.79M · loan HK$32.17M · min. income ≈ HK$344,110/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,953,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,653
−HK$11,830/mo
▼ 0.25% · 3.875%
HK$194,521
−HK$5,962/mo
Today · 4.125%
HK$200,483
baseline
▲ 0.50% · 4.625%
HK$212,682
+HK$12,199/mo
Deposit HK$4.60M · loan HK$41.37M · min. income ≈ HK$400,966/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,953,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,875
−HK$11,339/mo
▼ 0.25% · 3.875%
HK$215,504
−HK$5,710/mo
Today · 4.125%
HK$221,214
baseline
▲ 0.50% · 4.625%
HK$232,874
+HK$11,660/mo
Deposit HK$4.60M · loan HK$41.37M · min. income ≈ HK$442,428/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$1,953,426 · Scale 2, in force from 26 Feb 2026)