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$128,451
−HK$8,055/mo
▼ 0.25% · 3.875%
HK$132,447
−HK$4,059/mo
Today · 4.125%
HK$136,506
baseline
▲ 0.50% · 4.625%
HK$144,812
+HK$8,306/mo
Deposit HK$28.17M · loan HK$28.17M · min. income ≈ HK$273,012/mo (50% DSR)
Upfront cash ≈ HK$30.56M (deposit + AVD stamp duty HK$2,394,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,901
−HK$7,720/mo
▼ 0.25% · 3.875%
HK$146,733
−HK$3,888/mo
Today · 4.125%
HK$150,621
baseline
▲ 0.50% · 4.625%
HK$158,561
+HK$7,940/mo
Deposit HK$28.17M · loan HK$28.17M · min. income ≈ HK$301,242/mo (50% DSR)
Upfront cash ≈ HK$30.56M (deposit + AVD stamp duty HK$2,394,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,142
−HK$9,666/mo
▼ 0.25% · 3.875%
HK$158,936
−HK$4,872/mo
Today · 4.125%
HK$163,808
baseline
▲ 0.50% · 4.625%
HK$173,775
+HK$9,967/mo
Deposit HK$22.53M · loan HK$33.80M · min. income ≈ HK$327,616/mo (50% DSR)
Upfront cash ≈ HK$24.93M (deposit + AVD stamp duty HK$2,394,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,481
−HK$9,265/mo
▼ 0.25% · 3.875%
HK$176,080
−HK$4,666/mo
Today · 4.125%
HK$180,746
baseline
▲ 0.50% · 4.625%
HK$190,273
+HK$9,527/mo
Deposit HK$22.53M · loan HK$33.80M · min. income ≈ HK$361,492/mo (50% DSR)
Upfront cash ≈ HK$24.93M (deposit + AVD stamp duty HK$2,394,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,832
−HK$11,277/mo
▼ 0.25% · 3.875%
HK$185,426
−HK$5,683/mo
Today · 4.125%
HK$191,109
baseline
▲ 0.50% · 4.625%
HK$202,737
+HK$11,628/mo
Deposit HK$16.90M · loan HK$39.43M · min. income ≈ HK$382,218/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$2,394,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,061
−HK$10,809/mo
▼ 0.25% · 3.875%
HK$205,427
−HK$5,443/mo
Today · 4.125%
HK$210,870
baseline
▲ 0.50% · 4.625%
HK$221,985
+HK$11,115/mo
Deposit HK$16.90M · loan HK$39.43M · min. income ≈ HK$421,740/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$2,394,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$231,212
−HK$14,499/mo
▼ 0.25% · 3.875%
HK$238,404
−HK$7,307/mo
Today · 4.125%
HK$245,711
baseline
▲ 0.50% · 4.625%
HK$260,662
+HK$14,951/mo
Deposit HK$5.63M · loan HK$50.70M · min. income ≈ HK$491,422/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$2,394,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$257,221
−HK$13,897/mo
▼ 0.25% · 3.875%
HK$264,120
−HK$6,998/mo
Today · 4.125%
HK$271,118
baseline
▲ 0.50% · 4.625%
HK$285,409
+HK$14,291/mo
Deposit HK$5.63M · loan HK$50.70M · min. income ≈ HK$542,236/mo (50% DSR)
Upfront cash ≈ HK$8.03M (deposit + AVD stamp duty HK$2,394,109 · Scale 2, in force from 26 Feb 2026)