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$112,993
−HK$7,085/mo
▼ 0.25% · 3.875%
HK$116,507
−HK$3,571/mo
Today · 4.125%
HK$120,078
baseline
▲ 0.50% · 4.625%
HK$127,385
+HK$7,307/mo
Deposit HK$24.78M · loan HK$24.78M · min. income ≈ HK$240,156/mo (50% DSR)
Upfront cash ≈ HK$26.88M (deposit + AVD stamp duty HK$2,105,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,703
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$129,074
−HK$3,421/mo
Today · 4.125%
HK$132,495
baseline
▲ 0.50% · 4.625%
HK$139,479
+HK$6,984/mo
Deposit HK$24.78M · loan HK$24.78M · min. income ≈ HK$264,990/mo (50% DSR)
Upfront cash ≈ HK$26.88M (deposit + AVD stamp duty HK$2,105,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,591
−HK$8,503/mo
▼ 0.25% · 3.875%
HK$139,809
−HK$4,285/mo
Today · 4.125%
HK$144,094
baseline
▲ 0.50% · 4.625%
HK$152,862
+HK$8,768/mo
Deposit HK$19.82M · loan HK$29.73M · min. income ≈ HK$288,188/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$2,105,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,844
−HK$8,149/mo
▼ 0.25% · 3.875%
HK$154,889
−HK$4,104/mo
Today · 4.125%
HK$158,993
baseline
▲ 0.50% · 4.625%
HK$167,374
+HK$8,381/mo
Deposit HK$19.82M · loan HK$29.73M · min. income ≈ HK$317,986/mo (50% DSR)
Upfront cash ≈ HK$21.93M (deposit + AVD stamp duty HK$2,105,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,190
−HK$9,920/mo
▼ 0.25% · 3.875%
HK$163,110
−HK$5,000/mo
Today · 4.125%
HK$168,110
baseline
▲ 0.50% · 4.625%
HK$178,339
+HK$10,229/mo
Deposit HK$14.87M · loan HK$34.69M · min. income ≈ HK$336,220/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$2,105,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,984
−HK$9,508/mo
▼ 0.25% · 3.875%
HK$180,704
−HK$4,788/mo
Today · 4.125%
HK$185,492
baseline
▲ 0.50% · 4.625%
HK$195,270
+HK$9,778/mo
Deposit HK$14.87M · loan HK$34.69M · min. income ≈ HK$370,984/mo (50% DSR)
Upfront cash ≈ HK$16.97M (deposit + AVD stamp duty HK$2,105,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,387
−HK$12,754/mo
▼ 0.25% · 3.875%
HK$209,713
−HK$6,428/mo
Today · 4.125%
HK$216,141
baseline
▲ 0.50% · 4.625%
HK$229,293
+HK$13,152/mo
Deposit HK$4.96M · loan HK$44.60M · min. income ≈ HK$432,282/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,105,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,266
−HK$12,224/mo
▼ 0.25% · 3.875%
HK$232,334
−HK$6,156/mo
Today · 4.125%
HK$238,490
baseline
▲ 0.50% · 4.625%
HK$251,061
+HK$12,571/mo
Deposit HK$4.96M · loan HK$44.60M · min. income ≈ HK$476,980/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,105,986 · Scale 2, in force from 26 Feb 2026)