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$126,028
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$129,948
−HK$3,983/mo
Today · 4.125%
HK$133,931
baseline
▲ 0.50% · 4.625%
HK$142,080
+HK$8,149/mo
Deposit HK$27.63M · loan HK$27.63M · min. income ≈ HK$267,862/mo (50% DSR)
Upfront cash ≈ HK$29.98M (deposit + AVD stamp duty HK$2,348,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,204
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$143,965
−HK$3,814/mo
Today · 4.125%
HK$147,779
baseline
▲ 0.50% · 4.625%
HK$155,569
+HK$7,790/mo
Deposit HK$27.63M · loan HK$27.63M · min. income ≈ HK$295,558/mo (50% DSR)
Upfront cash ≈ HK$29.98M (deposit + AVD stamp duty HK$2,348,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,233
−HK$9,484/mo
▼ 0.25% · 3.875%
HK$155,937
−HK$4,780/mo
Today · 4.125%
HK$160,717
baseline
▲ 0.50% · 4.625%
HK$170,496
+HK$9,779/mo
Deposit HK$22.11M · loan HK$33.16M · min. income ≈ HK$321,434/mo (50% DSR)
Upfront cash ≈ HK$24.46M (deposit + AVD stamp duty HK$2,348,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,245
−HK$9,090/mo
▼ 0.25% · 3.875%
HK$172,757
−HK$4,578/mo
Today · 4.125%
HK$177,335
baseline
▲ 0.50% · 4.625%
HK$186,683
+HK$9,348/mo
Deposit HK$22.11M · loan HK$33.16M · min. income ≈ HK$354,670/mo (50% DSR)
Upfront cash ≈ HK$24.46M (deposit + AVD stamp duty HK$2,348,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,439
−HK$11,064/mo
▼ 0.25% · 3.875%
HK$181,927
−HK$5,576/mo
Today · 4.125%
HK$187,503
baseline
▲ 0.50% · 4.625%
HK$198,912
+HK$11,409/mo
Deposit HK$16.58M · loan HK$38.69M · min. income ≈ HK$375,006/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$2,348,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,286
−HK$10,605/mo
▼ 0.25% · 3.875%
HK$201,550
−HK$5,341/mo
Today · 4.125%
HK$206,891
baseline
▲ 0.50% · 4.625%
HK$217,796
+HK$10,905/mo
Deposit HK$16.58M · loan HK$38.69M · min. income ≈ HK$413,782/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$2,348,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,850
−HK$14,225/mo
▼ 0.25% · 3.875%
HK$233,906
−HK$7,169/mo
Today · 4.125%
HK$241,075
baseline
▲ 0.50% · 4.625%
HK$255,744
+HK$14,669/mo
Deposit HK$5.53M · loan HK$49.74M · min. income ≈ HK$482,150/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$2,348,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,368
−HK$13,635/mo
▼ 0.25% · 3.875%
HK$259,136
−HK$6,867/mo
Today · 4.125%
HK$266,003
baseline
▲ 0.50% · 4.625%
HK$280,024
+HK$14,021/mo
Deposit HK$5.53M · loan HK$49.74M · min. income ≈ HK$532,006/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$2,348,934 · Scale 2, in force from 26 Feb 2026)