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$95,905
−HK$6,014/mo
▼ 0.25% · 3.875%
HK$98,888
−HK$3,031/mo
Today · 4.125%
HK$101,919
baseline
▲ 0.50% · 4.625%
HK$108,120
+HK$6,201/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$203,838/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,787,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,693
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$109,555
−HK$2,902/mo
Today · 4.125%
HK$112,457
baseline
▲ 0.50% · 4.625%
HK$118,385
+HK$5,928/mo
Deposit HK$21.03M · loan HK$21.03M · min. income ≈ HK$224,914/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$1,787,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,086
−HK$7,217/mo
▼ 0.25% · 3.875%
HK$118,666
−HK$3,637/mo
Today · 4.125%
HK$122,303
baseline
▲ 0.50% · 4.625%
HK$129,745
+HK$7,442/mo
Deposit HK$16.82M · loan HK$25.24M · min. income ≈ HK$244,606/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,032
−HK$6,917/mo
▼ 0.25% · 3.875%
HK$131,466
−HK$3,483/mo
Today · 4.125%
HK$134,949
baseline
▲ 0.50% · 4.625%
HK$142,062
+HK$7,113/mo
Deposit HK$16.82M · loan HK$25.24M · min. income ≈ HK$269,898/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,787,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,267
−HK$8,420/mo
▼ 0.25% · 3.875%
HK$138,443
−HK$4,244/mo
Today · 4.125%
HK$142,687
baseline
▲ 0.50% · 4.625%
HK$151,369
+HK$8,682/mo
Deposit HK$12.62M · loan HK$29.44M · min. income ≈ HK$285,374/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,787,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,370
−HK$8,070/mo
▼ 0.25% · 3.875%
HK$153,377
−HK$4,063/mo
Today · 4.125%
HK$157,440
baseline
▲ 0.50% · 4.625%
HK$165,739
+HK$8,299/mo
Deposit HK$12.62M · loan HK$29.44M · min. income ≈ HK$314,880/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,787,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,629
−HK$10,825/mo
▼ 0.25% · 3.875%
HK$177,998
−HK$5,456/mo
Today · 4.125%
HK$183,454
baseline
▲ 0.50% · 4.625%
HK$194,617
+HK$11,163/mo
Deposit HK$4.21M · loan HK$37.85M · min. income ≈ HK$366,908/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,048
−HK$10,375/mo
▼ 0.25% · 3.875%
HK$197,198
−HK$5,225/mo
Today · 4.125%
HK$202,423
baseline
▲ 0.50% · 4.625%
HK$213,094
+HK$10,671/mo
Deposit HK$4.21M · loan HK$37.85M · min. income ≈ HK$404,846/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$1,787,500 · Scale 2, in force from 26 Feb 2026)