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$112,338
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$115,832
−HK$3,550/mo
Today · 4.125%
HK$119,382
baseline
▲ 0.50% · 4.625%
HK$126,646
+HK$7,264/mo
Deposit HK$24.63M · loan HK$24.63M · min. income ≈ HK$238,764/mo (50% DSR)
Upfront cash ≈ HK$26.73M (deposit + AVD stamp duty HK$2,093,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,974
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$128,326
−HK$3,400/mo
Today · 4.125%
HK$131,726
baseline
▲ 0.50% · 4.625%
HK$138,670
+HK$6,944/mo
Deposit HK$24.63M · loan HK$24.63M · min. income ≈ HK$263,452/mo (50% DSR)
Upfront cash ≈ HK$26.73M (deposit + AVD stamp duty HK$2,093,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,805
−HK$8,454/mo
▼ 0.25% · 3.875%
HK$138,998
−HK$4,261/mo
Today · 4.125%
HK$143,259
baseline
▲ 0.50% · 4.625%
HK$151,976
+HK$8,717/mo
Deposit HK$19.71M · loan HK$29.56M · min. income ≈ HK$286,518/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$2,093,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,969
−HK$8,103/mo
▼ 0.25% · 3.875%
HK$153,991
−HK$4,081/mo
Today · 4.125%
HK$158,072
baseline
▲ 0.50% · 4.625%
HK$166,404
+HK$8,332/mo
Deposit HK$19.71M · loan HK$29.56M · min. income ≈ HK$316,144/mo (50% DSR)
Upfront cash ≈ HK$21.80M (deposit + AVD stamp duty HK$2,093,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,273
−HK$9,862/mo
▼ 0.25% · 3.875%
HK$162,165
−HK$4,970/mo
Today · 4.125%
HK$167,135
baseline
▲ 0.50% · 4.625%
HK$177,305
+HK$10,170/mo
Deposit HK$14.78M · loan HK$34.49M · min. income ≈ HK$334,270/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$2,093,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,964
−HK$9,453/mo
▼ 0.25% · 3.875%
HK$179,657
−HK$4,760/mo
Today · 4.125%
HK$184,417
baseline
▲ 0.50% · 4.625%
HK$194,138
+HK$9,721/mo
Deposit HK$14.78M · loan HK$34.49M · min. income ≈ HK$368,834/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$2,093,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,208
−HK$12,680/mo
▼ 0.25% · 3.875%
HK$208,498
−HK$6,390/mo
Today · 4.125%
HK$214,888
baseline
▲ 0.50% · 4.625%
HK$227,963
+HK$13,075/mo
Deposit HK$4.93M · loan HK$44.34M · min. income ≈ HK$429,776/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$2,093,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,954
−HK$12,154/mo
▼ 0.25% · 3.875%
HK$230,987
−HK$6,121/mo
Today · 4.125%
HK$237,108
baseline
▲ 0.50% · 4.625%
HK$249,606
+HK$12,498/mo
Deposit HK$4.93M · loan HK$44.34M · min. income ≈ HK$474,216/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$2,093,778 · Scale 2, in force from 26 Feb 2026)