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$96,181
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$99,173
−HK$3,039/mo
Today · 4.125%
HK$102,212
baseline
▲ 0.50% · 4.625%
HK$108,432
+HK$6,220/mo
Deposit HK$21.09M · loan HK$21.09M · min. income ≈ HK$204,424/mo (50% DSR)
Upfront cash ≈ HK$22.88M (deposit + AVD stamp duty HK$1,792,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,000
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$109,870
−HK$2,911/mo
Today · 4.125%
HK$112,781
baseline
▲ 0.50% · 4.625%
HK$118,726
+HK$5,945/mo
Deposit HK$21.09M · loan HK$21.09M · min. income ≈ HK$225,562/mo (50% DSR)
Upfront cash ≈ HK$22.88M (deposit + AVD stamp duty HK$1,792,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,417
−HK$7,238/mo
▼ 0.25% · 3.875%
HK$119,007
−HK$3,648/mo
Today · 4.125%
HK$122,655
baseline
▲ 0.50% · 4.625%
HK$130,118
+HK$7,463/mo
Deposit HK$16.87M · loan HK$25.31M · min. income ≈ HK$245,310/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,792,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,400
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$131,844
−HK$3,493/mo
Today · 4.125%
HK$135,337
baseline
▲ 0.50% · 4.625%
HK$142,471
+HK$7,134/mo
Deposit HK$16.87M · loan HK$25.31M · min. income ≈ HK$270,674/mo (50% DSR)
Upfront cash ≈ HK$18.66M (deposit + AVD stamp duty HK$1,792,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,653
−HK$8,444/mo
▼ 0.25% · 3.875%
HK$138,842
−HK$4,255/mo
Today · 4.125%
HK$143,097
baseline
▲ 0.50% · 4.625%
HK$151,804
+HK$8,707/mo
Deposit HK$12.65M · loan HK$29.53M · min. income ≈ HK$286,194/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,792,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,800
−HK$8,094/mo
▼ 0.25% · 3.875%
HK$153,818
−HK$4,076/mo
Today · 4.125%
HK$157,894
baseline
▲ 0.50% · 4.625%
HK$166,217
+HK$8,323/mo
Deposit HK$12.65M · loan HK$29.53M · min. income ≈ HK$315,788/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,792,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,126
−HK$10,856/mo
▼ 0.25% · 3.875%
HK$178,511
−HK$5,471/mo
Today · 4.125%
HK$183,982
baseline
▲ 0.50% · 4.625%
HK$195,177
+HK$11,195/mo
Deposit HK$4.22M · loan HK$37.96M · min. income ≈ HK$367,964/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,792,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,601
−HK$10,405/mo
▼ 0.25% · 3.875%
HK$197,766
−HK$5,240/mo
Today · 4.125%
HK$203,006
baseline
▲ 0.50% · 4.625%
HK$213,707
+HK$10,701/mo
Deposit HK$4.22M · loan HK$37.96M · min. income ≈ HK$406,012/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$1,792,645 · Scale 2, in force from 26 Feb 2026)