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$96,466
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$99,467
−HK$3,048/mo
Today · 4.125%
HK$102,515
baseline
▲ 0.50% · 4.625%
HK$108,753
+HK$6,238/mo
Deposit HK$21.15M · loan HK$21.15M · min. income ≈ HK$205,030/mo (50% DSR)
Upfront cash ≈ HK$22.95M (deposit + AVD stamp duty HK$1,797,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,318
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$110,196
−HK$2,920/mo
Today · 4.125%
HK$113,116
baseline
▲ 0.50% · 4.625%
HK$119,078
+HK$5,962/mo
Deposit HK$21.15M · loan HK$21.15M · min. income ≈ HK$226,232/mo (50% DSR)
Upfront cash ≈ HK$22.95M (deposit + AVD stamp duty HK$1,797,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,759
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$119,360
−HK$3,659/mo
Today · 4.125%
HK$123,019
baseline
▲ 0.50% · 4.625%
HK$130,504
+HK$7,485/mo
Deposit HK$16.92M · loan HK$25.38M · min. income ≈ HK$246,038/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,797,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,781
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$132,235
−HK$3,504/mo
Today · 4.125%
HK$135,739
baseline
▲ 0.50% · 4.625%
HK$142,894
+HK$7,155/mo
Deposit HK$16.92M · loan HK$25.38M · min. income ≈ HK$271,478/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,797,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,053
−HK$8,469/mo
▼ 0.25% · 3.875%
HK$139,254
−HK$4,268/mo
Today · 4.125%
HK$143,522
baseline
▲ 0.50% · 4.625%
HK$152,255
+HK$8,733/mo
Deposit HK$12.69M · loan HK$29.61M · min. income ≈ HK$287,044/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,797,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,245
−HK$8,117/mo
▼ 0.25% · 3.875%
HK$154,274
−HK$4,088/mo
Today · 4.125%
HK$158,362
baseline
▲ 0.50% · 4.625%
HK$166,709
+HK$8,347/mo
Deposit HK$12.69M · loan HK$29.61M · min. income ≈ HK$316,724/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,797,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,639
−HK$10,889/mo
▼ 0.25% · 3.875%
HK$179,040
−HK$5,488/mo
Today · 4.125%
HK$184,528
baseline
▲ 0.50% · 4.625%
HK$195,756
+HK$11,228/mo
Deposit HK$4.23M · loan HK$38.07M · min. income ≈ HK$369,056/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,172
−HK$10,436/mo
▼ 0.25% · 3.875%
HK$198,353
−HK$5,255/mo
Today · 4.125%
HK$203,608
baseline
▲ 0.50% · 4.625%
HK$214,341
+HK$10,733/mo
Deposit HK$4.23M · loan HK$38.07M · min. income ≈ HK$407,216/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$1,797,961 · Scale 2, in force from 26 Feb 2026)