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$102,048
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$105,222
−HK$3,225/mo
Today · 4.125%
HK$108,447
baseline
▲ 0.50% · 4.625%
HK$115,046
+HK$6,599/mo
Deposit HK$22.38M · loan HK$22.38M · min. income ≈ HK$216,894/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,901,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,527
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$116,572
−HK$3,089/mo
Today · 4.125%
HK$119,661
baseline
▲ 0.50% · 4.625%
HK$125,968
+HK$6,307/mo
Deposit HK$22.38M · loan HK$22.38M · min. income ≈ HK$239,322/mo (50% DSR)
Upfront cash ≈ HK$24.28M (deposit + AVD stamp duty HK$1,901,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,457
−HK$7,679/mo
▼ 0.25% · 3.875%
HK$126,266
−HK$3,870/mo
Today · 4.125%
HK$130,136
baseline
▲ 0.50% · 4.625%
HK$138,055
+HK$7,919/mo
Deposit HK$17.90M · loan HK$26.85M · min. income ≈ HK$260,272/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,901,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,232
−HK$7,361/mo
▼ 0.25% · 3.875%
HK$139,886
−HK$3,707/mo
Today · 4.125%
HK$143,593
baseline
▲ 0.50% · 4.625%
HK$151,162
+HK$7,569/mo
Deposit HK$17.90M · loan HK$26.85M · min. income ≈ HK$287,186/mo (50% DSR)
Upfront cash ≈ HK$19.80M (deposit + AVD stamp duty HK$1,901,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,867
−HK$8,959/mo
▼ 0.25% · 3.875%
HK$147,311
−HK$4,515/mo
Today · 4.125%
HK$151,826
baseline
▲ 0.50% · 4.625%
HK$161,064
+HK$9,238/mo
Deposit HK$13.43M · loan HK$31.33M · min. income ≈ HK$303,652/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,901,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,938
−HK$8,587/mo
▼ 0.25% · 3.875%
HK$163,201
−HK$4,324/mo
Today · 4.125%
HK$167,525
baseline
▲ 0.50% · 4.625%
HK$176,355
+HK$8,830/mo
Deposit HK$13.43M · loan HK$31.33M · min. income ≈ HK$335,050/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,901,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,686
−HK$11,519/mo
▼ 0.25% · 3.875%
HK$189,400
−HK$5,805/mo
Today · 4.125%
HK$195,205
baseline
▲ 0.50% · 4.625%
HK$207,082
+HK$11,877/mo
Deposit HK$4.48M · loan HK$40.28M · min. income ≈ HK$390,410/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,901,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,349
−HK$11,040/mo
▼ 0.25% · 3.875%
HK$209,829
−HK$5,560/mo
Today · 4.125%
HK$215,389
baseline
▲ 0.50% · 4.625%
HK$226,742
+HK$11,353/mo
Deposit HK$4.48M · loan HK$40.28M · min. income ≈ HK$430,778/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$1,901,992 · Scale 2, in force from 26 Feb 2026)