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$117,573
−HK$7,372/mo
▼ 0.25% · 3.875%
HK$121,230
−HK$3,715/mo
Today · 4.125%
HK$124,945
baseline
▲ 0.50% · 4.625%
HK$132,548
+HK$7,603/mo
Deposit HK$25.78M · loan HK$25.78M · min. income ≈ HK$249,890/mo (50% DSR)
Upfront cash ≈ HK$27.97M (deposit + AVD stamp duty HK$2,191,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,798
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$134,306
−HK$3,559/mo
Today · 4.125%
HK$137,865
baseline
▲ 0.50% · 4.625%
HK$145,132
+HK$7,267/mo
Deposit HK$25.78M · loan HK$25.78M · min. income ≈ HK$275,730/mo (50% DSR)
Upfront cash ≈ HK$27.97M (deposit + AVD stamp duty HK$2,191,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,087
−HK$8,848/mo
▼ 0.25% · 3.875%
HK$145,476
−HK$4,459/mo
Today · 4.125%
HK$149,935
baseline
▲ 0.50% · 4.625%
HK$159,058
+HK$9,123/mo
Deposit HK$20.62M · loan HK$30.94M · min. income ≈ HK$299,870/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$2,191,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,958
−HK$8,480/mo
▼ 0.25% · 3.875%
HK$161,168
−HK$4,270/mo
Today · 4.125%
HK$165,438
baseline
▲ 0.50% · 4.625%
HK$174,158
+HK$8,720/mo
Deposit HK$20.62M · loan HK$30.94M · min. income ≈ HK$330,876/mo (50% DSR)
Upfront cash ≈ HK$22.82M (deposit + AVD stamp duty HK$2,191,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,602
−HK$10,322/mo
▼ 0.25% · 3.875%
HK$169,722
−HK$5,202/mo
Today · 4.125%
HK$174,924
baseline
▲ 0.50% · 4.625%
HK$185,567
+HK$10,643/mo
Deposit HK$15.47M · loan HK$36.09M · min. income ≈ HK$349,848/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$2,191,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,118
−HK$9,893/mo
▼ 0.25% · 3.875%
HK$188,029
−HK$4,982/mo
Today · 4.125%
HK$193,011
baseline
▲ 0.50% · 4.625%
HK$203,185
+HK$10,174/mo
Deposit HK$15.47M · loan HK$36.09M · min. income ≈ HK$386,022/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$2,191,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,631
−HK$13,271/mo
▼ 0.25% · 3.875%
HK$218,214
−HK$6,688/mo
Today · 4.125%
HK$224,902
baseline
▲ 0.50% · 4.625%
HK$238,587
+HK$13,685/mo
Deposit HK$5.16M · loan HK$46.41M · min. income ≈ HK$449,804/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$2,191,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,437
−HK$12,720/mo
▼ 0.25% · 3.875%
HK$241,751
−HK$6,406/mo
Today · 4.125%
HK$248,157
baseline
▲ 0.50% · 4.625%
HK$261,238
+HK$13,081/mo
Deposit HK$5.16M · loan HK$46.41M · min. income ≈ HK$496,314/mo (50% DSR)
Upfront cash ≈ HK$7.35M (deposit + AVD stamp duty HK$2,191,349 · Scale 2, in force from 26 Feb 2026)