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$110,649
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$114,091
−HK$3,497/mo
Today · 4.125%
HK$117,588
baseline
▲ 0.50% · 4.625%
HK$124,743
+HK$7,155/mo
Deposit HK$24.26M · loan HK$24.26M · min. income ≈ HK$235,176/mo (50% DSR)
Upfront cash ≈ HK$26.32M (deposit + AVD stamp duty HK$2,062,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,096
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$126,398
−HK$3,349/mo
Today · 4.125%
HK$129,747
baseline
▲ 0.50% · 4.625%
HK$136,586
+HK$6,839/mo
Deposit HK$24.26M · loan HK$24.26M · min. income ≈ HK$259,494/mo (50% DSR)
Upfront cash ≈ HK$26.32M (deposit + AVD stamp duty HK$2,062,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,779
−HK$8,327/mo
▼ 0.25% · 3.875%
HK$136,909
−HK$4,197/mo
Today · 4.125%
HK$141,106
baseline
▲ 0.50% · 4.625%
HK$149,692
+HK$8,586/mo
Deposit HK$19.41M · loan HK$29.11M · min. income ≈ HK$282,212/mo (50% DSR)
Upfront cash ≈ HK$21.47M (deposit + AVD stamp duty HK$2,062,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,716
−HK$7,980/mo
▼ 0.25% · 3.875%
HK$151,677
−HK$4,019/mo
Today · 4.125%
HK$155,696
baseline
▲ 0.50% · 4.625%
HK$163,903
+HK$8,207/mo
Deposit HK$19.41M · loan HK$29.11M · min. income ≈ HK$311,392/mo (50% DSR)
Upfront cash ≈ HK$21.47M (deposit + AVD stamp duty HK$2,062,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,909
−HK$9,714/mo
▼ 0.25% · 3.875%
HK$159,728
−HK$4,895/mo
Today · 4.125%
HK$164,623
baseline
▲ 0.50% · 4.625%
HK$174,640
+HK$10,017/mo
Deposit HK$14.56M · loan HK$33.97M · min. income ≈ HK$329,246/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$2,062,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,335
−HK$9,310/mo
▼ 0.25% · 3.875%
HK$176,957
−HK$4,688/mo
Today · 4.125%
HK$181,645
baseline
▲ 0.50% · 4.625%
HK$191,220
+HK$9,575/mo
Deposit HK$14.56M · loan HK$33.97M · min. income ≈ HK$363,290/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$2,062,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,169
−HK$12,489/mo
▼ 0.25% · 3.875%
HK$205,364
−HK$6,294/mo
Today · 4.125%
HK$211,658
baseline
▲ 0.50% · 4.625%
HK$224,537
+HK$12,879/mo
Deposit HK$4.85M · loan HK$43.67M · min. income ≈ HK$423,316/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$2,062,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,573
−HK$11,971/mo
▼ 0.25% · 3.875%
HK$227,516
−HK$6,028/mo
Today · 4.125%
HK$233,544
baseline
▲ 0.50% · 4.625%
HK$245,855
+HK$12,311/mo
Deposit HK$4.85M · loan HK$43.67M · min. income ≈ HK$467,088/mo (50% DSR)
Upfront cash ≈ HK$6.91M (deposit + AVD stamp duty HK$2,062,311 · Scale 2, in force from 26 Feb 2026)