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$95,496
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$98,467
−HK$3,018/mo
Today · 4.125%
HK$101,485
baseline
▲ 0.50% · 4.625%
HK$107,660
+HK$6,175/mo
Deposit HK$20.94M · loan HK$20.94M · min. income ≈ HK$202,970/mo (50% DSR)
Upfront cash ≈ HK$22.72M (deposit + AVD stamp duty HK$1,779,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,239
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$109,088
−HK$2,890/mo
Today · 4.125%
HK$111,978
baseline
▲ 0.50% · 4.625%
HK$117,881
+HK$5,903/mo
Deposit HK$20.94M · loan HK$20.94M · min. income ≈ HK$223,956/mo (50% DSR)
Upfront cash ≈ HK$22.72M (deposit + AVD stamp duty HK$1,779,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,596
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$118,160
−HK$3,622/mo
Today · 4.125%
HK$121,782
baseline
▲ 0.50% · 4.625%
HK$129,192
+HK$7,410/mo
Deposit HK$16.75M · loan HK$25.13M · min. income ≈ HK$243,564/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$1,779,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,486
−HK$6,888/mo
▼ 0.25% · 3.875%
HK$130,906
−HK$3,468/mo
Today · 4.125%
HK$134,374
baseline
▲ 0.50% · 4.625%
HK$141,457
+HK$7,083/mo
Deposit HK$16.75M · loan HK$25.13M · min. income ≈ HK$268,748/mo (50% DSR)
Upfront cash ≈ HK$18.53M (deposit + AVD stamp duty HK$1,779,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,695
−HK$8,384/mo
▼ 0.25% · 3.875%
HK$137,854
−HK$4,225/mo
Today · 4.125%
HK$142,079
baseline
▲ 0.50% · 4.625%
HK$150,724
+HK$8,645/mo
Deposit HK$12.56M · loan HK$29.32M · min. income ≈ HK$284,158/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,779,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,734
−HK$8,036/mo
▼ 0.25% · 3.875%
HK$152,723
−HK$4,047/mo
Today · 4.125%
HK$156,770
baseline
▲ 0.50% · 4.625%
HK$165,033
+HK$8,263/mo
Deposit HK$12.56M · loan HK$29.32M · min. income ≈ HK$313,540/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,779,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,893
−HK$10,780/mo
▼ 0.25% · 3.875%
HK$177,240
−HK$5,433/mo
Today · 4.125%
HK$182,673
baseline
▲ 0.50% · 4.625%
HK$193,788
+HK$11,115/mo
Deposit HK$4.19M · loan HK$37.69M · min. income ≈ HK$365,346/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,779,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,230
−HK$10,331/mo
▼ 0.25% · 3.875%
HK$196,358
−HK$5,203/mo
Today · 4.125%
HK$201,561
baseline
▲ 0.50% · 4.625%
HK$212,186
+HK$10,625/mo
Deposit HK$4.19M · loan HK$37.69M · min. income ≈ HK$403,122/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$1,779,886 · Scale 2, in force from 26 Feb 2026)