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$125,900
−HK$7,895/mo
▼ 0.25% · 3.875%
HK$129,816
−HK$3,979/mo
Today · 4.125%
HK$133,795
baseline
▲ 0.50% · 4.625%
HK$141,936
+HK$8,141/mo
Deposit HK$27.61M · loan HK$27.61M · min. income ≈ HK$267,590/mo (50% DSR)
Upfront cash ≈ HK$29.95M (deposit + AVD stamp duty HK$2,346,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,063
−HK$7,567/mo
▼ 0.25% · 3.875%
HK$143,819
−HK$3,811/mo
Today · 4.125%
HK$147,630
baseline
▲ 0.50% · 4.625%
HK$155,411
+HK$7,781/mo
Deposit HK$27.61M · loan HK$27.61M · min. income ≈ HK$295,260/mo (50% DSR)
Upfront cash ≈ HK$29.95M (deposit + AVD stamp duty HK$2,346,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,080
−HK$9,474/mo
▼ 0.25% · 3.875%
HK$155,780
−HK$4,774/mo
Today · 4.125%
HK$160,554
baseline
▲ 0.50% · 4.625%
HK$170,323
+HK$9,769/mo
Deposit HK$22.09M · loan HK$33.13M · min. income ≈ HK$321,108/mo (50% DSR)
Upfront cash ≈ HK$24.43M (deposit + AVD stamp duty HK$2,346,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,075
−HK$9,081/mo
▼ 0.25% · 3.875%
HK$172,583
−HK$4,573/mo
Today · 4.125%
HK$177,156
baseline
▲ 0.50% · 4.625%
HK$186,494
+HK$9,338/mo
Deposit HK$22.09M · loan HK$33.13M · min. income ≈ HK$354,312/mo (50% DSR)
Upfront cash ≈ HK$24.43M (deposit + AVD stamp duty HK$2,346,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,260
−HK$11,053/mo
▼ 0.25% · 3.875%
HK$181,743
−HK$5,570/mo
Today · 4.125%
HK$187,313
baseline
▲ 0.50% · 4.625%
HK$198,711
+HK$11,398/mo
Deposit HK$16.56M · loan HK$38.65M · min. income ≈ HK$374,626/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$2,346,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,088
−HK$10,594/mo
▼ 0.25% · 3.875%
HK$201,347
−HK$5,335/mo
Today · 4.125%
HK$206,682
baseline
▲ 0.50% · 4.625%
HK$217,576
+HK$10,894/mo
Deposit HK$16.56M · loan HK$38.65M · min. income ≈ HK$413,364/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$2,346,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,620
−HK$14,211/mo
▼ 0.25% · 3.875%
HK$233,669
−HK$7,162/mo
Today · 4.125%
HK$240,831
baseline
▲ 0.50% · 4.625%
HK$255,485
+HK$14,654/mo
Deposit HK$5.52M · loan HK$49.69M · min. income ≈ HK$481,662/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$2,346,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,113
−HK$13,620/mo
▼ 0.25% · 3.875%
HK$258,874
−HK$6,859/mo
Today · 4.125%
HK$265,733
baseline
▲ 0.50% · 4.625%
HK$279,741
+HK$14,008/mo
Deposit HK$5.52M · loan HK$49.69M · min. income ≈ HK$531,466/mo (50% DSR)
Upfront cash ≈ HK$7.87M (deposit + AVD stamp duty HK$2,346,558 · Scale 2, in force from 26 Feb 2026)