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$107,862
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$111,217
−HK$3,409/mo
Today · 4.125%
HK$114,626
baseline
▲ 0.50% · 4.625%
HK$121,601
+HK$6,975/mo
Deposit HK$23.65M · loan HK$23.65M · min. income ≈ HK$229,252/mo (50% DSR)
Upfront cash ≈ HK$25.66M (deposit + AVD stamp duty HK$2,010,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,996
−HK$6,483/mo
▼ 0.25% · 3.875%
HK$123,214
−HK$3,265/mo
Today · 4.125%
HK$126,479
baseline
▲ 0.50% · 4.625%
HK$133,145
+HK$6,666/mo
Deposit HK$23.65M · loan HK$23.65M · min. income ≈ HK$252,958/mo (50% DSR)
Upfront cash ≈ HK$25.66M (deposit + AVD stamp duty HK$2,010,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,435
−HK$8,116/mo
▼ 0.25% · 3.875%
HK$133,461
−HK$4,090/mo
Today · 4.125%
HK$137,551
baseline
▲ 0.50% · 4.625%
HK$145,921
+HK$8,370/mo
Deposit HK$18.92M · loan HK$28.38M · min. income ≈ HK$275,102/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$2,010,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,995
−HK$7,779/mo
▼ 0.25% · 3.875%
HK$147,857
−HK$3,917/mo
Today · 4.125%
HK$151,774
baseline
▲ 0.50% · 4.625%
HK$159,775
+HK$8,001/mo
Deposit HK$18.92M · loan HK$28.38M · min. income ≈ HK$303,548/mo (50% DSR)
Upfront cash ≈ HK$20.93M (deposit + AVD stamp duty HK$2,010,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,007
−HK$9,470/mo
▼ 0.25% · 3.875%
HK$155,704
−HK$4,773/mo
Today · 4.125%
HK$160,477
baseline
▲ 0.50% · 4.625%
HK$170,241
+HK$9,764/mo
Deposit HK$14.19M · loan HK$33.11M · min. income ≈ HK$320,954/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$2,010,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,994
−HK$9,076/mo
▼ 0.25% · 3.875%
HK$172,499
−HK$4,571/mo
Today · 4.125%
HK$177,070
baseline
▲ 0.50% · 4.625%
HK$186,404
+HK$9,334/mo
Deposit HK$14.19M · loan HK$33.11M · min. income ≈ HK$354,140/mo (50% DSR)
Upfront cash ≈ HK$16.20M (deposit + AVD stamp duty HK$2,010,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,152
−HK$12,175/mo
▼ 0.25% · 3.875%
HK$200,191
−HK$6,136/mo
Today · 4.125%
HK$206,327
baseline
▲ 0.50% · 4.625%
HK$218,881
+HK$12,554/mo
Deposit HK$4.73M · loan HK$42.57M · min. income ≈ HK$412,654/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,010,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,992
−HK$11,669/mo
▼ 0.25% · 3.875%
HK$221,785
−HK$5,876/mo
Today · 4.125%
HK$227,661
baseline
▲ 0.50% · 4.625%
HK$239,662
+HK$12,001/mo
Deposit HK$4.73M · loan HK$42.57M · min. income ≈ HK$455,322/mo (50% DSR)
Upfront cash ≈ HK$6.74M (deposit + AVD stamp duty HK$2,010,363 · Scale 2, in force from 26 Feb 2026)