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$128,685
−HK$8,070/mo
▼ 0.25% · 3.875%
HK$132,688
−HK$4,067/mo
Today · 4.125%
HK$136,755
baseline
▲ 0.50% · 4.625%
HK$145,076
+HK$8,321/mo
Deposit HK$28.22M · loan HK$28.22M · min. income ≈ HK$273,510/mo (50% DSR)
Upfront cash ≈ HK$30.62M (deposit + AVD stamp duty HK$2,398,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,161
−HK$7,734/mo
▼ 0.25% · 3.875%
HK$147,000
−HK$3,895/mo
Today · 4.125%
HK$150,895
baseline
▲ 0.50% · 4.625%
HK$158,849
+HK$7,954/mo
Deposit HK$28.22M · loan HK$28.22M · min. income ≈ HK$301,790/mo (50% DSR)
Upfront cash ≈ HK$30.62M (deposit + AVD stamp duty HK$2,398,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,422
−HK$9,683/mo
▼ 0.25% · 3.875%
HK$159,225
−HK$4,880/mo
Today · 4.125%
HK$164,105
baseline
▲ 0.50% · 4.625%
HK$174,091
+HK$9,986/mo
Deposit HK$22.57M · loan HK$33.86M · min. income ≈ HK$328,210/mo (50% DSR)
Upfront cash ≈ HK$24.97M (deposit + AVD stamp duty HK$2,398,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,793
−HK$9,281/mo
▼ 0.25% · 3.875%
HK$176,400
−HK$4,674/mo
Today · 4.125%
HK$181,074
baseline
▲ 0.50% · 4.625%
HK$190,619
+HK$9,545/mo
Deposit HK$22.57M · loan HK$33.86M · min. income ≈ HK$362,148/mo (50% DSR)
Upfront cash ≈ HK$24.97M (deposit + AVD stamp duty HK$2,398,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$180,159
−HK$11,297/mo
▼ 0.25% · 3.875%
HK$185,763
−HK$5,693/mo
Today · 4.125%
HK$191,456
baseline
▲ 0.50% · 4.625%
HK$203,106
+HK$11,650/mo
Deposit HK$16.93M · loan HK$39.50M · min. income ≈ HK$382,912/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$2,398,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,425
−HK$10,828/mo
▼ 0.25% · 3.875%
HK$205,800
−HK$5,453/mo
Today · 4.125%
HK$211,253
baseline
▲ 0.50% · 4.625%
HK$222,389
+HK$11,136/mo
Deposit HK$16.93M · loan HK$39.50M · min. income ≈ HK$422,506/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$2,398,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,633
−HK$14,525/mo
▼ 0.25% · 3.875%
HK$238,838
−HK$7,320/mo
Today · 4.125%
HK$246,158
baseline
▲ 0.50% · 4.625%
HK$261,136
+HK$14,978/mo
Deposit HK$5.64M · loan HK$50.79M · min. income ≈ HK$492,316/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$2,398,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,689
−HK$13,922/mo
▼ 0.25% · 3.875%
HK$264,600
−HK$7,011/mo
Today · 4.125%
HK$271,611
baseline
▲ 0.50% · 4.625%
HK$285,928
+HK$14,317/mo
Deposit HK$5.64M · loan HK$50.79M · min. income ≈ HK$543,222/mo (50% DSR)
Upfront cash ≈ HK$8.04M (deposit + AVD stamp duty HK$2,398,462 · Scale 2, in force from 26 Feb 2026)