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$124,944
−HK$7,835/mo
▼ 0.25% · 3.875%
HK$128,830
−HK$3,949/mo
Today · 4.125%
HK$132,779
baseline
▲ 0.50% · 4.625%
HK$140,858
+HK$8,079/mo
Deposit HK$27.40M · loan HK$27.40M · min. income ≈ HK$265,558/mo (50% DSR)
Upfront cash ≈ HK$29.73M (deposit + AVD stamp duty HK$2,328,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,999
−HK$7,510/mo
▼ 0.25% · 3.875%
HK$142,727
−HK$3,782/mo
Today · 4.125%
HK$146,509
baseline
▲ 0.50% · 4.625%
HK$154,231
+HK$7,722/mo
Deposit HK$27.40M · loan HK$27.40M · min. income ≈ HK$293,018/mo (50% DSR)
Upfront cash ≈ HK$29.73M (deposit + AVD stamp duty HK$2,328,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,933
−HK$9,402/mo
▼ 0.25% · 3.875%
HK$154,596
−HK$4,739/mo
Today · 4.125%
HK$159,335
baseline
▲ 0.50% · 4.625%
HK$169,030
+HK$9,695/mo
Deposit HK$21.92M · loan HK$32.88M · min. income ≈ HK$318,670/mo (50% DSR)
Upfront cash ≈ HK$24.25M (deposit + AVD stamp duty HK$2,328,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,799
−HK$9,011/mo
▼ 0.25% · 3.875%
HK$171,272
−HK$4,538/mo
Today · 4.125%
HK$175,810
baseline
▲ 0.50% · 4.625%
HK$185,077
+HK$9,267/mo
Deposit HK$21.92M · loan HK$32.88M · min. income ≈ HK$351,620/mo (50% DSR)
Upfront cash ≈ HK$24.25M (deposit + AVD stamp duty HK$2,328,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,921
−HK$10,970/mo
▼ 0.25% · 3.875%
HK$180,363
−HK$5,528/mo
Today · 4.125%
HK$185,891
baseline
▲ 0.50% · 4.625%
HK$197,202
+HK$11,311/mo
Deposit HK$16.44M · loan HK$38.36M · min. income ≈ HK$371,782/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$2,328,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,598
−HK$10,514/mo
▼ 0.25% · 3.875%
HK$199,817
−HK$5,295/mo
Today · 4.125%
HK$205,112
baseline
▲ 0.50% · 4.625%
HK$215,924
+HK$10,812/mo
Deposit HK$16.44M · loan HK$38.36M · min. income ≈ HK$410,224/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$2,328,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,899
−HK$14,103/mo
▼ 0.25% · 3.875%
HK$231,895
−HK$7,107/mo
Today · 4.125%
HK$239,002
baseline
▲ 0.50% · 4.625%
HK$253,545
+HK$14,543/mo
Deposit HK$5.48M · loan HK$49.31M · min. income ≈ HK$478,004/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$2,328,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,198
−HK$13,517/mo
▼ 0.25% · 3.875%
HK$256,908
−HK$6,807/mo
Today · 4.125%
HK$263,715
baseline
▲ 0.50% · 4.625%
HK$277,616
+HK$13,901/mo
Deposit HK$5.48M · loan HK$49.31M · min. income ≈ HK$527,430/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$2,328,737 · Scale 2, in force from 26 Feb 2026)