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$116,852
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$120,487
−HK$3,693/mo
Today · 4.125%
HK$124,180
baseline
▲ 0.50% · 4.625%
HK$131,736
+HK$7,556/mo
Deposit HK$25.62M · loan HK$25.62M · min. income ≈ HK$248,360/mo (50% DSR)
Upfront cash ≈ HK$27.80M (deposit + AVD stamp duty HK$2,177,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,997
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$133,484
−HK$3,536/mo
Today · 4.125%
HK$137,020
baseline
▲ 0.50% · 4.625%
HK$144,243
+HK$7,223/mo
Deposit HK$25.62M · loan HK$25.62M · min. income ≈ HK$274,040/mo (50% DSR)
Upfront cash ≈ HK$27.80M (deposit + AVD stamp duty HK$2,177,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,223
−HK$8,793/mo
▼ 0.25% · 3.875%
HK$144,585
−HK$4,431/mo
Today · 4.125%
HK$149,016
baseline
▲ 0.50% · 4.625%
HK$158,083
+HK$9,067/mo
Deposit HK$20.50M · loan HK$30.75M · min. income ≈ HK$298,032/mo (50% DSR)
Upfront cash ≈ HK$22.68M (deposit + AVD stamp duty HK$2,177,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,997
−HK$8,428/mo
▼ 0.25% · 3.875%
HK$160,180
−HK$4,245/mo
Today · 4.125%
HK$164,425
baseline
▲ 0.50% · 4.625%
HK$173,092
+HK$8,667/mo
Deposit HK$20.50M · loan HK$30.75M · min. income ≈ HK$328,850/mo (50% DSR)
Upfront cash ≈ HK$22.68M (deposit + AVD stamp duty HK$2,177,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,593
−HK$10,259/mo
▼ 0.25% · 3.875%
HK$168,682
−HK$5,170/mo
Today · 4.125%
HK$173,852
baseline
▲ 0.50% · 4.625%
HK$184,431
+HK$10,579/mo
Deposit HK$15.37M · loan HK$35.87M · min. income ≈ HK$347,704/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$2,177,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,996
−HK$9,833/mo
▼ 0.25% · 3.875%
HK$186,877
−HK$4,952/mo
Today · 4.125%
HK$191,829
baseline
▲ 0.50% · 4.625%
HK$201,940
+HK$10,111/mo
Deposit HK$15.37M · loan HK$35.87M · min. income ≈ HK$383,658/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$2,177,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,334
−HK$13,190/mo
▼ 0.25% · 3.875%
HK$216,877
−HK$6,647/mo
Today · 4.125%
HK$223,524
baseline
▲ 0.50% · 4.625%
HK$237,125
+HK$13,601/mo
Deposit HK$5.12M · loan HK$46.12M · min. income ≈ HK$447,048/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$2,177,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,995
−HK$12,642/mo
▼ 0.25% · 3.875%
HK$240,270
−HK$6,367/mo
Today · 4.125%
HK$246,637
baseline
▲ 0.50% · 4.625%
HK$259,637
+HK$13,000/mo
Deposit HK$5.12M · loan HK$46.12M · min. income ≈ HK$493,274/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$2,177,925 · Scale 2, in force from 26 Feb 2026)