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$103,220
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$106,430
−HK$3,262/mo
Today · 4.125%
HK$109,692
baseline
▲ 0.50% · 4.625%
HK$116,367
+HK$6,675/mo
Deposit HK$22.63M · loan HK$22.63M · min. income ≈ HK$219,384/mo (50% DSR)
Upfront cash ≈ HK$24.56M (deposit + AVD stamp duty HK$1,923,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,831
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$117,911
−HK$3,124/mo
Today · 4.125%
HK$121,035
baseline
▲ 0.50% · 4.625%
HK$127,415
+HK$6,380/mo
Deposit HK$22.63M · loan HK$22.63M · min. income ≈ HK$242,070/mo (50% DSR)
Upfront cash ≈ HK$24.56M (deposit + AVD stamp duty HK$1,923,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,864
−HK$7,767/mo
▼ 0.25% · 3.875%
HK$127,716
−HK$3,915/mo
Today · 4.125%
HK$131,631
baseline
▲ 0.50% · 4.625%
HK$139,640
+HK$8,009/mo
Deposit HK$18.11M · loan HK$27.16M · min. income ≈ HK$263,262/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,923,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,797
−HK$7,445/mo
▼ 0.25% · 3.875%
HK$141,493
−HK$3,749/mo
Today · 4.125%
HK$145,242
baseline
▲ 0.50% · 4.625%
HK$152,898
+HK$7,656/mo
Deposit HK$18.11M · loan HK$27.16M · min. income ≈ HK$290,484/mo (50% DSR)
Upfront cash ≈ HK$20.03M (deposit + AVD stamp duty HK$1,923,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,508
−HK$9,061/mo
▼ 0.25% · 3.875%
HK$149,003
−HK$4,566/mo
Today · 4.125%
HK$153,569
baseline
▲ 0.50% · 4.625%
HK$162,914
+HK$9,345/mo
Deposit HK$13.58M · loan HK$31.69M · min. income ≈ HK$307,138/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,923,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,763
−HK$8,686/mo
▼ 0.25% · 3.875%
HK$165,075
−HK$4,374/mo
Today · 4.125%
HK$169,449
baseline
▲ 0.50% · 4.625%
HK$178,381
+HK$8,932/mo
Deposit HK$13.58M · loan HK$31.69M · min. income ≈ HK$338,898/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,923,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$185,795
−HK$11,651/mo
▼ 0.25% · 3.875%
HK$191,575
−HK$5,871/mo
Today · 4.125%
HK$197,446
baseline
▲ 0.50% · 4.625%
HK$209,461
+HK$12,015/mo
Deposit HK$4.53M · loan HK$40.74M · min. income ≈ HK$394,892/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,923,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,696
−HK$11,167/mo
▼ 0.25% · 3.875%
HK$212,239
−HK$5,624/mo
Today · 4.125%
HK$217,863
baseline
▲ 0.50% · 4.625%
HK$229,346
+HK$11,483/mo
Deposit HK$4.53M · loan HK$40.74M · min. income ≈ HK$435,726/mo (50% DSR)
Upfront cash ≈ HK$6.45M (deposit + AVD stamp duty HK$1,923,835 · Scale 2, in force from 26 Feb 2026)