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$111,120
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$114,576
−HK$3,512/mo
Today · 4.125%
HK$118,088
baseline
▲ 0.50% · 4.625%
HK$125,273
+HK$7,185/mo
Deposit HK$24.37M · loan HK$24.37M · min. income ≈ HK$236,176/mo (50% DSR)
Upfront cash ≈ HK$26.44M (deposit + AVD stamp duty HK$2,071,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,619
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$126,935
−HK$3,363/mo
Today · 4.125%
HK$130,298
baseline
▲ 0.50% · 4.625%
HK$137,166
+HK$6,868/mo
Deposit HK$24.37M · loan HK$24.37M · min. income ≈ HK$260,596/mo (50% DSR)
Upfront cash ≈ HK$26.44M (deposit + AVD stamp duty HK$2,071,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,343
−HK$8,362/mo
▼ 0.25% · 3.875%
HK$137,491
−HK$4,214/mo
Today · 4.125%
HK$141,705
baseline
▲ 0.50% · 4.625%
HK$150,328
+HK$8,623/mo
Deposit HK$19.49M · loan HK$29.24M · min. income ≈ HK$283,410/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$2,071,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,343
−HK$8,015/mo
▼ 0.25% · 3.875%
HK$152,322
−HK$4,036/mo
Today · 4.125%
HK$156,358
baseline
▲ 0.50% · 4.625%
HK$164,600
+HK$8,242/mo
Deposit HK$19.49M · loan HK$29.24M · min. income ≈ HK$312,716/mo (50% DSR)
Upfront cash ≈ HK$21.56M (deposit + AVD stamp duty HK$2,071,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,567
−HK$9,756/mo
▼ 0.25% · 3.875%
HK$160,406
−HK$4,917/mo
Today · 4.125%
HK$165,323
baseline
▲ 0.50% · 4.625%
HK$175,382
+HK$10,059/mo
Deposit HK$14.62M · loan HK$34.11M · min. income ≈ HK$330,646/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$2,071,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,067
−HK$9,350/mo
▼ 0.25% · 3.875%
HK$177,709
−HK$4,708/mo
Today · 4.125%
HK$182,417
baseline
▲ 0.50% · 4.625%
HK$192,033
+HK$9,616/mo
Deposit HK$14.62M · loan HK$34.11M · min. income ≈ HK$364,834/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$2,071,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,015
−HK$12,543/mo
▼ 0.25% · 3.875%
HK$206,237
−HK$6,321/mo
Today · 4.125%
HK$212,558
baseline
▲ 0.50% · 4.625%
HK$225,491
+HK$12,933/mo
Deposit HK$4.87M · loan HK$43.86M · min. income ≈ HK$425,116/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$2,071,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,515
−HK$12,022/mo
▼ 0.25% · 3.875%
HK$228,483
−HK$6,054/mo
Today · 4.125%
HK$234,537
baseline
▲ 0.50% · 4.625%
HK$246,899
+HK$12,362/mo
Deposit HK$4.87M · loan HK$43.86M · min. income ≈ HK$469,074/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$2,071,074 · Scale 2, in force from 26 Feb 2026)