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$104,982
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$108,248
−HK$3,318/mo
Today · 4.125%
HK$111,566
baseline
▲ 0.50% · 4.625%
HK$118,354
+HK$6,788/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$223,132/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,792
−HK$6,310/mo
▼ 0.25% · 3.875%
HK$119,924
−HK$3,178/mo
Today · 4.125%
HK$123,102
baseline
▲ 0.50% · 4.625%
HK$129,591
+HK$6,489/mo
Deposit HK$23.02M · loan HK$23.02M · min. income ≈ HK$246,204/mo (50% DSR)
Upfront cash ≈ HK$24.98M (deposit + AVD stamp duty HK$1,956,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,979
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$129,897
−HK$3,982/mo
Today · 4.125%
HK$133,879
baseline
▲ 0.50% · 4.625%
HK$142,025
+HK$8,146/mo
Deposit HK$18.42M · loan HK$27.62M · min. income ≈ HK$267,758/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,150
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$143,909
−HK$3,813/mo
Today · 4.125%
HK$147,722
baseline
▲ 0.50% · 4.625%
HK$155,509
+HK$7,787/mo
Deposit HK$18.42M · loan HK$27.62M · min. income ≈ HK$295,444/mo (50% DSR)
Upfront cash ≈ HK$20.37M (deposit + AVD stamp duty HK$1,956,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,975
−HK$9,217/mo
▼ 0.25% · 3.875%
HK$151,547
−HK$4,645/mo
Today · 4.125%
HK$156,192
baseline
▲ 0.50% · 4.625%
HK$165,696
+HK$9,504/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$312,384/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,509
−HK$8,833/mo
▼ 0.25% · 3.875%
HK$167,894
−HK$4,448/mo
Today · 4.125%
HK$172,342
baseline
▲ 0.50% · 4.625%
HK$181,427
+HK$9,085/mo
Deposit HK$13.81M · loan HK$32.23M · min. income ≈ HK$344,684/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,956,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,968
−HK$11,850/mo
▼ 0.25% · 3.875%
HK$194,846
−HK$5,972/mo
Today · 4.125%
HK$200,818
baseline
▲ 0.50% · 4.625%
HK$213,038
+HK$12,220/mo
Deposit HK$4.60M · loan HK$41.44M · min. income ≈ HK$401,636/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,225
−HK$11,358/mo
▼ 0.25% · 3.875%
HK$215,863
−HK$5,720/mo
Today · 4.125%
HK$221,583
baseline
▲ 0.50% · 4.625%
HK$233,263
+HK$11,680/mo
Deposit HK$4.60M · loan HK$41.44M · min. income ≈ HK$443,166/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$1,956,688 · Scale 2, in force from 26 Feb 2026)