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$115,774
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$119,375
−HK$3,659/mo
Today · 4.125%
HK$123,034
baseline
▲ 0.50% · 4.625%
HK$130,520
+HK$7,486/mo
Deposit HK$25.39M · loan HK$25.39M · min. income ≈ HK$246,068/mo (50% DSR)
Upfront cash ≈ HK$27.54M (deposit + AVD stamp duty HK$2,157,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,797
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$132,252
−HK$3,504/mo
Today · 4.125%
HK$135,756
baseline
▲ 0.50% · 4.625%
HK$142,912
+HK$7,156/mo
Deposit HK$25.39M · loan HK$25.39M · min. income ≈ HK$271,512/mo (50% DSR)
Upfront cash ≈ HK$27.54M (deposit + AVD stamp duty HK$2,157,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,929
−HK$8,712/mo
▼ 0.25% · 3.875%
HK$143,250
−HK$4,391/mo
Today · 4.125%
HK$147,641
baseline
▲ 0.50% · 4.625%
HK$156,624
+HK$8,983/mo
Deposit HK$20.31M · loan HK$30.46M · min. income ≈ HK$295,282/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$2,157,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,557
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$158,702
−HK$4,205/mo
Today · 4.125%
HK$162,907
baseline
▲ 0.50% · 4.625%
HK$171,494
+HK$8,587/mo
Deposit HK$20.31M · loan HK$30.46M · min. income ≈ HK$325,814/mo (50% DSR)
Upfront cash ≈ HK$22.47M (deposit + AVD stamp duty HK$2,157,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,083
−HK$10,164/mo
▼ 0.25% · 3.875%
HK$167,125
−HK$5,122/mo
Today · 4.125%
HK$172,247
baseline
▲ 0.50% · 4.625%
HK$182,728
+HK$10,481/mo
Deposit HK$15.23M · loan HK$35.54M · min. income ≈ HK$344,494/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$2,157,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,316
−HK$9,742/mo
▼ 0.25% · 3.875%
HK$185,152
−HK$4,906/mo
Today · 4.125%
HK$190,058
baseline
▲ 0.50% · 4.625%
HK$200,076
+HK$10,018/mo
Deposit HK$15.23M · loan HK$35.54M · min. income ≈ HK$380,116/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$2,157,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$208,393
−HK$13,068/mo
▼ 0.25% · 3.875%
HK$214,875
−HK$6,586/mo
Today · 4.125%
HK$221,461
baseline
▲ 0.50% · 4.625%
HK$234,936
+HK$13,475/mo
Deposit HK$5.08M · loan HK$45.70M · min. income ≈ HK$442,922/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,157,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,835
−HK$12,525/mo
▼ 0.25% · 3.875%
HK$238,053
−HK$6,307/mo
Today · 4.125%
HK$244,360
baseline
▲ 0.50% · 4.625%
HK$257,241
+HK$12,881/mo
Deposit HK$5.08M · loan HK$45.70M · min. income ≈ HK$488,720/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$2,157,823 · Scale 2, in force from 26 Feb 2026)