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$97,664
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$100,702
−HK$3,086/mo
Today · 4.125%
HK$103,788
baseline
▲ 0.50% · 4.625%
HK$110,103
+HK$6,315/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$207,576/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,650
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,564
−HK$2,956/mo
Today · 4.125%
HK$114,520
baseline
▲ 0.50% · 4.625%
HK$120,557
+HK$6,037/mo
Deposit HK$21.42M · loan HK$21.42M · min. income ≈ HK$229,040/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$1,820,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,197
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$120,842
−HK$3,704/mo
Today · 4.125%
HK$124,546
baseline
▲ 0.50% · 4.625%
HK$132,124
+HK$7,578/mo
Deposit HK$17.13M · loan HK$25.70M · min. income ≈ HK$249,092/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,820,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,380
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$133,877
−HK$3,547/mo
Today · 4.125%
HK$137,424
baseline
▲ 0.50% · 4.625%
HK$144,668
+HK$7,244/mo
Deposit HK$17.13M · loan HK$25.70M · min. income ≈ HK$274,848/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,820,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,729
−HK$8,574/mo
▼ 0.25% · 3.875%
HK$140,982
−HK$4,321/mo
Today · 4.125%
HK$145,303
baseline
▲ 0.50% · 4.625%
HK$154,145
+HK$8,842/mo
Deposit HK$12.85M · loan HK$29.98M · min. income ≈ HK$290,606/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,110
−HK$8,218/mo
▼ 0.25% · 3.875%
HK$156,189
−HK$4,139/mo
Today · 4.125%
HK$160,328
baseline
▲ 0.50% · 4.625%
HK$168,779
+HK$8,451/mo
Deposit HK$12.85M · loan HK$29.98M · min. income ≈ HK$320,656/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,820,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,795
−HK$11,024/mo
▼ 0.25% · 3.875%
HK$181,263
−HK$5,556/mo
Today · 4.125%
HK$186,819
baseline
▲ 0.50% · 4.625%
HK$198,186
+HK$11,367/mo
Deposit HK$4.28M · loan HK$38.55M · min. income ≈ HK$373,638/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,820,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,570
−HK$10,566/mo
▼ 0.25% · 3.875%
HK$200,815
−HK$5,321/mo
Today · 4.125%
HK$206,136
baseline
▲ 0.50% · 4.625%
HK$217,002
+HK$10,866/mo
Deposit HK$4.28M · loan HK$38.55M · min. income ≈ HK$412,272/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$1,820,283 · Scale 2, in force from 26 Feb 2026)