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$118,445
−HK$7,428/mo
▼ 0.25% · 3.875%
HK$122,130
−HK$3,743/mo
Today · 4.125%
HK$125,873
baseline
▲ 0.50% · 4.625%
HK$133,532
+HK$7,659/mo
Deposit HK$25.97M · loan HK$25.97M · min. income ≈ HK$251,746/mo (50% DSR)
Upfront cash ≈ HK$28.18M (deposit + AVD stamp duty HK$2,207,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,769
−HK$7,119/mo
▼ 0.25% · 3.875%
HK$135,303
−HK$3,585/mo
Today · 4.125%
HK$138,888
baseline
▲ 0.50% · 4.625%
HK$146,209
+HK$7,321/mo
Deposit HK$25.97M · loan HK$25.97M · min. income ≈ HK$277,776/mo (50% DSR)
Upfront cash ≈ HK$28.18M (deposit + AVD stamp duty HK$2,207,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,135
−HK$8,913/mo
▼ 0.25% · 3.875%
HK$146,556
−HK$4,492/mo
Today · 4.125%
HK$151,048
baseline
▲ 0.50% · 4.625%
HK$160,238
+HK$9,190/mo
Deposit HK$20.78M · loan HK$31.17M · min. income ≈ HK$302,096/mo (50% DSR)
Upfront cash ≈ HK$22.99M (deposit + AVD stamp duty HK$2,207,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,123
−HK$8,543/mo
▼ 0.25% · 3.875%
HK$162,364
−HK$4,302/mo
Today · 4.125%
HK$166,666
baseline
▲ 0.50% · 4.625%
HK$175,451
+HK$8,785/mo
Deposit HK$20.78M · loan HK$31.17M · min. income ≈ HK$333,332/mo (50% DSR)
Upfront cash ≈ HK$22.99M (deposit + AVD stamp duty HK$2,207,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,824
−HK$10,398/mo
▼ 0.25% · 3.875%
HK$170,982
−HK$5,240/mo
Today · 4.125%
HK$176,222
baseline
▲ 0.50% · 4.625%
HK$186,945
+HK$10,723/mo
Deposit HK$15.58M · loan HK$36.36M · min. income ≈ HK$352,444/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$2,207,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,477
−HK$9,967/mo
▼ 0.25% · 3.875%
HK$189,425
−HK$5,019/mo
Today · 4.125%
HK$194,444
baseline
▲ 0.50% · 4.625%
HK$204,693
+HK$10,249/mo
Deposit HK$15.58M · loan HK$36.36M · min. income ≈ HK$388,888/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$2,207,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,202
−HK$13,369/mo
▼ 0.25% · 3.875%
HK$219,834
−HK$6,737/mo
Today · 4.125%
HK$226,571
baseline
▲ 0.50% · 4.625%
HK$240,358
+HK$13,787/mo
Deposit HK$5.19M · loan HK$46.75M · min. income ≈ HK$453,142/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$2,207,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,185
−HK$12,814/mo
▼ 0.25% · 3.875%
HK$243,546
−HK$6,453/mo
Today · 4.125%
HK$249,999
baseline
▲ 0.50% · 4.625%
HK$263,177
+HK$13,178/mo
Deposit HK$5.19M · loan HK$46.75M · min. income ≈ HK$499,998/mo (50% DSR)
Upfront cash ≈ HK$7.40M (deposit + AVD stamp duty HK$2,207,617 · Scale 2, in force from 26 Feb 2026)