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$114,740
−HK$7,195/mo
▼ 0.25% · 3.875%
HK$118,309
−HK$3,626/mo
Today · 4.125%
HK$121,935
baseline
▲ 0.50% · 4.625%
HK$129,354
+HK$7,419/mo
Deposit HK$25.16M · loan HK$25.16M · min. income ≈ HK$243,870/mo (50% DSR)
Upfront cash ≈ HK$27.30M (deposit + AVD stamp duty HK$2,138,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,647
−HK$6,896/mo
▼ 0.25% · 3.875%
HK$131,070
−HK$3,473/mo
Today · 4.125%
HK$134,543
baseline
▲ 0.50% · 4.625%
HK$141,635
+HK$7,092/mo
Deposit HK$25.16M · loan HK$25.16M · min. income ≈ HK$269,086/mo (50% DSR)
Upfront cash ≈ HK$27.30M (deposit + AVD stamp duty HK$2,138,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,688
−HK$8,634/mo
▼ 0.25% · 3.875%
HK$141,970
−HK$4,352/mo
Today · 4.125%
HK$146,322
baseline
▲ 0.50% · 4.625%
HK$155,225
+HK$8,903/mo
Deposit HK$20.13M · loan HK$30.19M · min. income ≈ HK$292,644/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$2,138,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,176
−HK$8,276/mo
▼ 0.25% · 3.875%
HK$157,284
−HK$4,168/mo
Today · 4.125%
HK$161,452
baseline
▲ 0.50% · 4.625%
HK$169,962
+HK$8,510/mo
Deposit HK$20.13M · loan HK$30.19M · min. income ≈ HK$322,904/mo (50% DSR)
Upfront cash ≈ HK$22.27M (deposit + AVD stamp duty HK$2,138,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,636
−HK$10,073/mo
▼ 0.25% · 3.875%
HK$165,632
−HK$5,077/mo
Today · 4.125%
HK$170,709
baseline
▲ 0.50% · 4.625%
HK$181,096
+HK$10,387/mo
Deposit HK$15.10M · loan HK$35.22M · min. income ≈ HK$341,418/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$2,138,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,705
−HK$9,655/mo
▼ 0.25% · 3.875%
HK$183,498
−HK$4,862/mo
Today · 4.125%
HK$188,360
baseline
▲ 0.50% · 4.625%
HK$198,289
+HK$9,929/mo
Deposit HK$15.10M · loan HK$35.22M · min. income ≈ HK$376,720/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$2,138,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,531
−HK$12,952/mo
▼ 0.25% · 3.875%
HK$212,956
−HK$6,527/mo
Today · 4.125%
HK$219,483
baseline
▲ 0.50% · 4.625%
HK$232,838
+HK$13,355/mo
Deposit HK$5.03M · loan HK$45.29M · min. income ≈ HK$438,966/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$2,138,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,764
−HK$12,414/mo
▼ 0.25% · 3.875%
HK$235,926
−HK$6,252/mo
Today · 4.125%
HK$242,178
baseline
▲ 0.50% · 4.625%
HK$254,943
+HK$12,765/mo
Deposit HK$5.03M · loan HK$45.29M · min. income ≈ HK$484,356/mo (50% DSR)
Upfront cash ≈ HK$7.17M (deposit + AVD stamp duty HK$2,138,548 · Scale 2, in force from 26 Feb 2026)