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$119,655
−HK$7,504/mo
▼ 0.25% · 3.875%
HK$123,377
−HK$3,782/mo
Today · 4.125%
HK$127,159
baseline
▲ 0.50% · 4.625%
HK$134,896
+HK$7,737/mo
Deposit HK$26.24M · loan HK$26.24M · min. income ≈ HK$254,318/mo (50% DSR)
Upfront cash ≈ HK$28.47M (deposit + AVD stamp duty HK$2,230,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,115
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$136,685
−HK$3,622/mo
Today · 4.125%
HK$140,307
baseline
▲ 0.50% · 4.625%
HK$147,703
+HK$7,396/mo
Deposit HK$26.24M · loan HK$26.24M · min. income ≈ HK$280,614/mo (50% DSR)
Upfront cash ≈ HK$28.47M (deposit + AVD stamp duty HK$2,230,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,586
−HK$9,004/mo
▼ 0.25% · 3.875%
HK$148,053
−HK$4,537/mo
Today · 4.125%
HK$152,590
baseline
▲ 0.50% · 4.625%
HK$161,875
+HK$9,285/mo
Deposit HK$20.99M · loan HK$31.48M · min. income ≈ HK$305,180/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$2,230,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,738
−HK$8,630/mo
▼ 0.25% · 3.875%
HK$164,022
−HK$4,346/mo
Today · 4.125%
HK$168,368
baseline
▲ 0.50% · 4.625%
HK$177,243
+HK$8,875/mo
Deposit HK$20.99M · loan HK$31.48M · min. income ≈ HK$336,736/mo (50% DSR)
Upfront cash ≈ HK$23.22M (deposit + AVD stamp duty HK$2,230,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,517
−HK$10,505/mo
▼ 0.25% · 3.875%
HK$172,728
−HK$5,294/mo
Today · 4.125%
HK$178,022
baseline
▲ 0.50% · 4.625%
HK$188,854
+HK$10,832/mo
Deposit HK$15.74M · loan HK$36.73M · min. income ≈ HK$356,044/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$2,230,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,361
−HK$10,069/mo
▼ 0.25% · 3.875%
HK$191,359
−HK$5,071/mo
Today · 4.125%
HK$196,430
baseline
▲ 0.50% · 4.625%
HK$206,784
+HK$10,354/mo
Deposit HK$15.74M · loan HK$36.73M · min. income ≈ HK$392,860/mo (50% DSR)
Upfront cash ≈ HK$17.97M (deposit + AVD stamp duty HK$2,230,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,379
−HK$13,507/mo
▼ 0.25% · 3.875%
HK$222,079
−HK$6,807/mo
Today · 4.125%
HK$228,886
baseline
▲ 0.50% · 4.625%
HK$242,813
+HK$13,927/mo
Deposit HK$5.25M · loan HK$47.23M · min. income ≈ HK$457,772/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,230,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,607
−HK$12,946/mo
▼ 0.25% · 3.875%
HK$246,034
−HK$6,519/mo
Today · 4.125%
HK$252,553
baseline
▲ 0.50% · 4.625%
HK$265,865
+HK$13,312/mo
Deposit HK$5.25M · loan HK$47.23M · min. income ≈ HK$505,106/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,230,165 · Scale 2, in force from 26 Feb 2026)