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$106,929
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$110,255
−HK$3,379/mo
Today · 4.125%
HK$113,634
baseline
▲ 0.50% · 4.625%
HK$120,548
+HK$6,914/mo
Deposit HK$23.45M · loan HK$23.45M · min. income ≈ HK$227,268/mo (50% DSR)
Upfront cash ≈ HK$25.44M (deposit + AVD stamp duty HK$1,992,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,957
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$122,147
−HK$3,237/mo
Today · 4.125%
HK$125,384
baseline
▲ 0.50% · 4.625%
HK$131,993
+HK$6,609/mo
Deposit HK$23.45M · loan HK$23.45M · min. income ≈ HK$250,768/mo (50% DSR)
Upfront cash ≈ HK$25.44M (deposit + AVD stamp duty HK$1,992,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,314
−HK$8,047/mo
▼ 0.25% · 3.875%
HK$132,306
−HK$4,055/mo
Today · 4.125%
HK$136,361
baseline
▲ 0.50% · 4.625%
HK$144,658
+HK$8,297/mo
Deposit HK$18.76M · loan HK$28.14M · min. income ≈ HK$272,722/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$1,992,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,748
−HK$7,713/mo
▼ 0.25% · 3.875%
HK$146,577
−HK$3,884/mo
Today · 4.125%
HK$150,461
baseline
▲ 0.50% · 4.625%
HK$158,392
+HK$7,931/mo
Deposit HK$18.76M · loan HK$28.14M · min. income ≈ HK$300,922/mo (50% DSR)
Upfront cash ≈ HK$20.75M (deposit + AVD stamp duty HK$1,992,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,700
−HK$9,388/mo
▼ 0.25% · 3.875%
HK$154,357
−HK$4,731/mo
Today · 4.125%
HK$159,088
baseline
▲ 0.50% · 4.625%
HK$168,768
+HK$9,680/mo
Deposit HK$14.07M · loan HK$32.83M · min. income ≈ HK$318,176/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,992,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,540
−HK$8,997/mo
▼ 0.25% · 3.875%
HK$171,006
−HK$4,531/mo
Today · 4.125%
HK$175,537
baseline
▲ 0.50% · 4.625%
HK$184,790
+HK$9,253/mo
Deposit HK$14.07M · loan HK$32.83M · min. income ≈ HK$351,074/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,992,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,472
−HK$12,069/mo
▼ 0.25% · 3.875%
HK$198,458
−HK$6,083/mo
Today · 4.125%
HK$204,541
baseline
▲ 0.50% · 4.625%
HK$216,987
+HK$12,446/mo
Deposit HK$4.69M · loan HK$42.20M · min. income ≈ HK$409,082/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,992,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$214,123
−HK$11,568/mo
▼ 0.25% · 3.875%
HK$219,865
−HK$5,826/mo
Today · 4.125%
HK$225,691
baseline
▲ 0.50% · 4.625%
HK$237,587
+HK$11,896/mo
Deposit HK$4.69M · loan HK$42.20M · min. income ≈ HK$451,382/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$1,992,963 · Scale 2, in force from 26 Feb 2026)