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$118,265
−HK$7,416/mo
▼ 0.25% · 3.875%
HK$121,943
−HK$3,738/mo
Today · 4.125%
HK$125,681
baseline
▲ 0.50% · 4.625%
HK$133,328
+HK$7,647/mo
Deposit HK$25.93M · loan HK$25.93M · min. income ≈ HK$251,362/mo (50% DSR)
Upfront cash ≈ HK$28.14M (deposit + AVD stamp duty HK$2,204,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,568
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$135,097
−HK$3,580/mo
Today · 4.125%
HK$138,677
baseline
▲ 0.50% · 4.625%
HK$145,986
+HK$7,309/mo
Deposit HK$25.93M · loan HK$25.93M · min. income ≈ HK$277,354/mo (50% DSR)
Upfront cash ≈ HK$28.14M (deposit + AVD stamp duty HK$2,204,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,918
−HK$8,899/mo
▼ 0.25% · 3.875%
HK$146,332
−HK$4,485/mo
Today · 4.125%
HK$150,817
baseline
▲ 0.50% · 4.625%
HK$159,994
+HK$9,177/mo
Deposit HK$20.75M · loan HK$31.12M · min. income ≈ HK$301,634/mo (50% DSR)
Upfront cash ≈ HK$22.95M (deposit + AVD stamp duty HK$2,204,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,882
−HK$8,530/mo
▼ 0.25% · 3.875%
HK$162,116
−HK$4,296/mo
Today · 4.125%
HK$166,412
baseline
▲ 0.50% · 4.625%
HK$175,184
+HK$8,772/mo
Deposit HK$20.75M · loan HK$31.12M · min. income ≈ HK$332,824/mo (50% DSR)
Upfront cash ≈ HK$22.95M (deposit + AVD stamp duty HK$2,204,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,571
−HK$10,382/mo
▼ 0.25% · 3.875%
HK$170,721
−HK$5,232/mo
Today · 4.125%
HK$175,953
baseline
▲ 0.50% · 4.625%
HK$186,660
+HK$10,707/mo
Deposit HK$15.56M · loan HK$36.31M · min. income ≈ HK$351,906/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$2,204,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,196
−HK$9,951/mo
▼ 0.25% · 3.875%
HK$189,136
−HK$5,011/mo
Today · 4.125%
HK$194,147
baseline
▲ 0.50% · 4.625%
HK$204,381
+HK$10,234/mo
Deposit HK$15.56M · loan HK$36.31M · min. income ≈ HK$388,294/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$2,204,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$212,877
−HK$13,349/mo
▼ 0.25% · 3.875%
HK$219,498
−HK$6,728/mo
Today · 4.125%
HK$226,226
baseline
▲ 0.50% · 4.625%
HK$239,991
+HK$13,765/mo
Deposit HK$5.19M · loan HK$46.68M · min. income ≈ HK$452,452/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$2,204,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,823
−HK$12,795/mo
▼ 0.25% · 3.875%
HK$243,174
−HK$6,444/mo
Today · 4.125%
HK$249,618
baseline
▲ 0.50% · 4.625%
HK$262,776
+HK$13,158/mo
Deposit HK$5.19M · loan HK$46.68M · min. income ≈ HK$499,236/mo (50% DSR)
Upfront cash ≈ HK$7.39M (deposit + AVD stamp duty HK$2,204,249 · Scale 2, in force from 26 Feb 2026)