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$126,483
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$130,417
−HK$3,998/mo
Today · 4.125%
HK$134,415
baseline
▲ 0.50% · 4.625%
HK$142,593
+HK$8,178/mo
Deposit HK$27.73M · loan HK$27.73M · min. income ≈ HK$268,830/mo (50% DSR)
Upfront cash ≈ HK$30.09M (deposit + AVD stamp duty HK$2,357,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,711
−HK$7,602/mo
▼ 0.25% · 3.875%
HK$144,485
−HK$3,828/mo
Today · 4.125%
HK$148,313
baseline
▲ 0.50% · 4.625%
HK$156,131
+HK$7,818/mo
Deposit HK$27.73M · loan HK$27.73M · min. income ≈ HK$296,626/mo (50% DSR)
Upfront cash ≈ HK$30.09M (deposit + AVD stamp duty HK$2,357,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,780
−HK$9,518/mo
▼ 0.25% · 3.875%
HK$156,501
−HK$4,797/mo
Today · 4.125%
HK$161,298
baseline
▲ 0.50% · 4.625%
HK$171,112
+HK$9,814/mo
Deposit HK$22.19M · loan HK$33.28M · min. income ≈ HK$322,596/mo (50% DSR)
Upfront cash ≈ HK$24.54M (deposit + AVD stamp duty HK$2,357,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,853
−HK$9,123/mo
▼ 0.25% · 3.875%
HK$173,382
−HK$4,594/mo
Today · 4.125%
HK$177,976
baseline
▲ 0.50% · 4.625%
HK$187,357
+HK$9,381/mo
Deposit HK$22.19M · loan HK$33.28M · min. income ≈ HK$355,952/mo (50% DSR)
Upfront cash ≈ HK$24.54M (deposit + AVD stamp duty HK$2,357,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,076
−HK$11,105/mo
▼ 0.25% · 3.875%
HK$182,584
−HK$5,597/mo
Today · 4.125%
HK$188,181
baseline
▲ 0.50% · 4.625%
HK$199,631
+HK$11,450/mo
Deposit HK$16.64M · loan HK$38.83M · min. income ≈ HK$376,362/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$2,357,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,996
−HK$10,643/mo
▼ 0.25% · 3.875%
HK$202,279
−HK$5,360/mo
Today · 4.125%
HK$207,639
baseline
▲ 0.50% · 4.625%
HK$218,584
+HK$10,945/mo
Deposit HK$16.64M · loan HK$38.83M · min. income ≈ HK$415,278/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$2,357,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,669
−HK$14,277/mo
▼ 0.25% · 3.875%
HK$234,751
−HK$7,195/mo
Today · 4.125%
HK$241,946
baseline
▲ 0.50% · 4.625%
HK$256,668
+HK$14,722/mo
Deposit HK$5.55M · loan HK$49.92M · min. income ≈ HK$483,892/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$2,357,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,280
−HK$13,684/mo
▼ 0.25% · 3.875%
HK$260,073
−HK$6,891/mo
Today · 4.125%
HK$266,964
baseline
▲ 0.50% · 4.625%
HK$281,036
+HK$14,072/mo
Deposit HK$5.55M · loan HK$49.92M · min. income ≈ HK$533,928/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$2,357,424 · Scale 2, in force from 26 Feb 2026)