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$109,036
−HK$6,837/mo
▼ 0.25% · 3.875%
HK$112,427
−HK$3,446/mo
Today · 4.125%
HK$115,873
baseline
▲ 0.50% · 4.625%
HK$122,924
+HK$7,051/mo
Deposit HK$23.91M · loan HK$23.91M · min. income ≈ HK$231,746/mo (50% DSR)
Upfront cash ≈ HK$25.94M (deposit + AVD stamp duty HK$2,032,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,301
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$124,554
−HK$3,301/mo
Today · 4.125%
HK$127,855
baseline
▲ 0.50% · 4.625%
HK$134,594
+HK$6,739/mo
Deposit HK$23.91M · loan HK$23.91M · min. income ≈ HK$255,710/mo (50% DSR)
Upfront cash ≈ HK$25.94M (deposit + AVD stamp duty HK$2,032,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,843
−HK$8,205/mo
▼ 0.25% · 3.875%
HK$134,913
−HK$4,135/mo
Today · 4.125%
HK$139,048
baseline
▲ 0.50% · 4.625%
HK$147,509
+HK$8,461/mo
Deposit HK$19.13M · loan HK$28.69M · min. income ≈ HK$278,096/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$2,032,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,562
−HK$7,864/mo
▼ 0.25% · 3.875%
HK$149,465
−HK$3,961/mo
Today · 4.125%
HK$153,426
baseline
▲ 0.50% · 4.625%
HK$161,513
+HK$8,087/mo
Deposit HK$19.13M · loan HK$28.69M · min. income ≈ HK$306,852/mo (50% DSR)
Upfront cash ≈ HK$21.16M (deposit + AVD stamp duty HK$2,032,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,650
−HK$9,573/mo
▼ 0.25% · 3.875%
HK$157,398
−HK$4,825/mo
Today · 4.125%
HK$162,223
baseline
▲ 0.50% · 4.625%
HK$172,094
+HK$9,871/mo
Deposit HK$14.35M · loan HK$33.47M · min. income ≈ HK$324,446/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$2,032,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,822
−HK$9,175/mo
▼ 0.25% · 3.875%
HK$174,376
−HK$4,621/mo
Today · 4.125%
HK$178,997
baseline
▲ 0.50% · 4.625%
HK$188,432
+HK$9,435/mo
Deposit HK$14.35M · loan HK$33.47M · min. income ≈ HK$357,994/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$2,032,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,264
−HK$12,308/mo
▼ 0.25% · 3.875%
HK$202,369
−HK$6,203/mo
Today · 4.125%
HK$208,572
baseline
▲ 0.50% · 4.625%
HK$221,263
+HK$12,691/mo
Deposit HK$4.78M · loan HK$43.04M · min. income ≈ HK$417,144/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$2,032,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,342
−HK$11,797/mo
▼ 0.25% · 3.875%
HK$224,198
−HK$5,941/mo
Today · 4.125%
HK$230,139
baseline
▲ 0.50% · 4.625%
HK$242,270
+HK$12,131/mo
Deposit HK$4.78M · loan HK$43.04M · min. income ≈ HK$460,278/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$2,032,238 · Scale 2, in force from 26 Feb 2026)