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$106,333
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$109,640
−HK$3,361/mo
Today · 4.125%
HK$113,001
baseline
▲ 0.50% · 4.625%
HK$119,877
+HK$6,876/mo
Deposit HK$23.32M · loan HK$23.32M · min. income ≈ HK$226,002/mo (50% DSR)
Upfront cash ≈ HK$25.30M (deposit + AVD stamp duty HK$1,981,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,294
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$121,467
−HK$3,218/mo
Today · 4.125%
HK$124,685
baseline
▲ 0.50% · 4.625%
HK$131,258
+HK$6,573/mo
Deposit HK$23.32M · loan HK$23.32M · min. income ≈ HK$249,370/mo (50% DSR)
Upfront cash ≈ HK$25.30M (deposit + AVD stamp duty HK$1,981,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,599
−HK$8,002/mo
▼ 0.25% · 3.875%
HK$131,568
−HK$4,033/mo
Today · 4.125%
HK$135,601
baseline
▲ 0.50% · 4.625%
HK$143,852
+HK$8,251/mo
Deposit HK$18.65M · loan HK$27.98M · min. income ≈ HK$271,202/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,981,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,953
−HK$7,669/mo
▼ 0.25% · 3.875%
HK$145,760
−HK$3,862/mo
Today · 4.125%
HK$149,622
baseline
▲ 0.50% · 4.625%
HK$157,509
+HK$7,887/mo
Deposit HK$18.65M · loan HK$27.98M · min. income ≈ HK$299,244/mo (50% DSR)
Upfront cash ≈ HK$20.63M (deposit + AVD stamp duty HK$1,981,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,866
−HK$9,335/mo
▼ 0.25% · 3.875%
HK$153,496
−HK$4,705/mo
Today · 4.125%
HK$158,201
baseline
▲ 0.50% · 4.625%
HK$167,827
+HK$9,626/mo
Deposit HK$13.99M · loan HK$32.64M · min. income ≈ HK$316,402/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,981,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,612
−HK$8,947/mo
▼ 0.25% · 3.875%
HK$170,053
−HK$4,506/mo
Today · 4.125%
HK$174,559
baseline
▲ 0.50% · 4.625%
HK$183,761
+HK$9,202/mo
Deposit HK$13.99M · loan HK$32.64M · min. income ≈ HK$349,118/mo (50% DSR)
Upfront cash ≈ HK$15.97M (deposit + AVD stamp duty HK$1,981,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,399
−HK$12,002/mo
▼ 0.25% · 3.875%
HK$197,353
−HK$6,048/mo
Today · 4.125%
HK$203,401
baseline
▲ 0.50% · 4.625%
HK$215,778
+HK$12,377/mo
Deposit HK$4.66M · loan HK$41.97M · min. income ≈ HK$406,802/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,981,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,929
−HK$11,504/mo
▼ 0.25% · 3.875%
HK$218,640
−HK$5,793/mo
Today · 4.125%
HK$224,433
baseline
▲ 0.50% · 4.625%
HK$236,264
+HK$11,831/mo
Deposit HK$4.66M · loan HK$41.97M · min. income ≈ HK$448,866/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$1,981,858 · Scale 2, in force from 26 Feb 2026)