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$121,440
−HK$7,616/mo
▼ 0.25% · 3.875%
HK$125,218
−HK$3,838/mo
Today · 4.125%
HK$129,056
baseline
▲ 0.50% · 4.625%
HK$136,908
+HK$7,852/mo
Deposit HK$26.63M · loan HK$26.63M · min. income ≈ HK$258,112/mo (50% DSR)
Upfront cash ≈ HK$28.89M (deposit + AVD stamp duty HK$2,263,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,101
−HK$7,299/mo
▼ 0.25% · 3.875%
HK$138,724
−HK$3,676/mo
Today · 4.125%
HK$142,400
baseline
▲ 0.50% · 4.625%
HK$149,906
+HK$7,506/mo
Deposit HK$26.63M · loan HK$26.63M · min. income ≈ HK$284,800/mo (50% DSR)
Upfront cash ≈ HK$28.89M (deposit + AVD stamp duty HK$2,263,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,728
−HK$9,139/mo
▼ 0.25% · 3.875%
HK$150,261
−HK$4,606/mo
Today · 4.125%
HK$154,867
baseline
▲ 0.50% · 4.625%
HK$164,290
+HK$9,423/mo
Deposit HK$21.30M · loan HK$31.95M · min. income ≈ HK$309,734/mo (50% DSR)
Upfront cash ≈ HK$23.57M (deposit + AVD stamp duty HK$2,263,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,121
−HK$8,759/mo
▼ 0.25% · 3.875%
HK$166,469
−HK$4,411/mo
Today · 4.125%
HK$170,880
baseline
▲ 0.50% · 4.625%
HK$179,887
+HK$9,007/mo
Deposit HK$21.30M · loan HK$31.95M · min. income ≈ HK$341,760/mo (50% DSR)
Upfront cash ≈ HK$23.57M (deposit + AVD stamp duty HK$2,263,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,016
−HK$10,662/mo
▼ 0.25% · 3.875%
HK$175,305
−HK$5,373/mo
Today · 4.125%
HK$180,678
baseline
▲ 0.50% · 4.625%
HK$191,672
+HK$10,994/mo
Deposit HK$15.98M · loan HK$37.28M · min. income ≈ HK$361,356/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$2,263,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,141
−HK$10,219/mo
▼ 0.25% · 3.875%
HK$194,214
−HK$5,146/mo
Today · 4.125%
HK$199,360
baseline
▲ 0.50% · 4.625%
HK$209,869
+HK$10,509/mo
Deposit HK$15.98M · loan HK$37.28M · min. income ≈ HK$398,720/mo (50% DSR)
Upfront cash ≈ HK$18.24M (deposit + AVD stamp duty HK$2,263,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,592
−HK$13,708/mo
▼ 0.25% · 3.875%
HK$225,392
−HK$6,908/mo
Today · 4.125%
HK$232,300
baseline
▲ 0.50% · 4.625%
HK$246,435
+HK$14,135/mo
Deposit HK$5.33M · loan HK$47.93M · min. income ≈ HK$464,600/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$2,263,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,182
−HK$13,138/mo
▼ 0.25% · 3.875%
HK$249,704
−HK$6,616/mo
Today · 4.125%
HK$256,320
baseline
▲ 0.50% · 4.625%
HK$269,831
+HK$13,511/mo
Deposit HK$5.33M · loan HK$47.93M · min. income ≈ HK$512,640/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$2,263,434 · Scale 2, in force from 26 Feb 2026)