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$111,974
−HK$7,022/mo
▼ 0.25% · 3.875%
HK$115,457
−HK$3,539/mo
Today · 4.125%
HK$118,996
baseline
▲ 0.50% · 4.625%
HK$126,236
+HK$7,240/mo
Deposit HK$24.55M · loan HK$24.55M · min. income ≈ HK$237,992/mo (50% DSR)
Upfront cash ≈ HK$26.64M (deposit + AVD stamp duty HK$2,087,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,570
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$127,911
−HK$3,389/mo
Today · 4.125%
HK$131,300
baseline
▲ 0.50% · 4.625%
HK$138,221
+HK$6,921/mo
Deposit HK$24.55M · loan HK$24.55M · min. income ≈ HK$262,600/mo (50% DSR)
Upfront cash ≈ HK$26.64M (deposit + AVD stamp duty HK$2,087,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,369
−HK$8,426/mo
▼ 0.25% · 3.875%
HK$138,549
−HK$4,246/mo
Today · 4.125%
HK$142,795
baseline
▲ 0.50% · 4.625%
HK$151,484
+HK$8,689/mo
Deposit HK$19.64M · loan HK$29.46M · min. income ≈ HK$285,590/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$2,087,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,484
−HK$8,076/mo
▼ 0.25% · 3.875%
HK$153,493
−HK$4,067/mo
Today · 4.125%
HK$157,560
baseline
▲ 0.50% · 4.625%
HK$165,865
+HK$8,305/mo
Deposit HK$19.64M · loan HK$29.46M · min. income ≈ HK$315,120/mo (50% DSR)
Upfront cash ≈ HK$21.73M (deposit + AVD stamp duty HK$2,087,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,764
−HK$9,830/mo
▼ 0.25% · 3.875%
HK$161,640
−HK$4,954/mo
Today · 4.125%
HK$166,594
baseline
▲ 0.50% · 4.625%
HK$176,731
+HK$10,137/mo
Deposit HK$14.73M · loan HK$34.37M · min. income ≈ HK$333,188/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$2,087,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,398
−HK$9,422/mo
▼ 0.25% · 3.875%
HK$179,075
−HK$4,745/mo
Today · 4.125%
HK$183,820
baseline
▲ 0.50% · 4.625%
HK$193,510
+HK$9,690/mo
Deposit HK$14.73M · loan HK$34.37M · min. income ≈ HK$367,640/mo (50% DSR)
Upfront cash ≈ HK$16.82M (deposit + AVD stamp duty HK$2,087,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,553
−HK$12,640/mo
▼ 0.25% · 3.875%
HK$207,823
−HK$6,370/mo
Today · 4.125%
HK$214,193
baseline
▲ 0.50% · 4.625%
HK$227,226
+HK$13,033/mo
Deposit HK$4.91M · loan HK$44.20M · min. income ≈ HK$428,386/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,087,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,226
−HK$12,114/mo
▼ 0.25% · 3.875%
HK$230,240
−HK$6,100/mo
Today · 4.125%
HK$236,340
baseline
▲ 0.50% · 4.625%
HK$248,798
+HK$12,458/mo
Deposit HK$4.91M · loan HK$44.20M · min. income ≈ HK$472,680/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$2,087,002 · Scale 2, in force from 26 Feb 2026)