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$121,913
−HK$7,645/mo
▼ 0.25% · 3.875%
HK$125,705
−HK$3,853/mo
Today · 4.125%
HK$129,558
baseline
▲ 0.50% · 4.625%
HK$137,442
+HK$7,884/mo
Deposit HK$26.73M · loan HK$26.73M · min. income ≈ HK$259,116/mo (50% DSR)
Upfront cash ≈ HK$29.00M (deposit + AVD stamp duty HK$2,272,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,627
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$139,265
−HK$3,690/mo
Today · 4.125%
HK$142,955
baseline
▲ 0.50% · 4.625%
HK$150,490
+HK$7,535/mo
Deposit HK$26.73M · loan HK$26.73M · min. income ≈ HK$285,910/mo (50% DSR)
Upfront cash ≈ HK$29.00M (deposit + AVD stamp duty HK$2,272,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,296
−HK$9,174/mo
▼ 0.25% · 3.875%
HK$150,846
−HK$4,624/mo
Today · 4.125%
HK$155,470
baseline
▲ 0.50% · 4.625%
HK$164,930
+HK$9,460/mo
Deposit HK$21.39M · loan HK$32.08M · min. income ≈ HK$310,940/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$2,272,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,753
−HK$8,793/mo
▼ 0.25% · 3.875%
HK$167,118
−HK$4,428/mo
Today · 4.125%
HK$171,546
baseline
▲ 0.50% · 4.625%
HK$180,588
+HK$9,042/mo
Deposit HK$21.39M · loan HK$32.08M · min. income ≈ HK$343,092/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$2,272,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,678
−HK$10,703/mo
▼ 0.25% · 3.875%
HK$175,988
−HK$5,393/mo
Today · 4.125%
HK$181,381
baseline
▲ 0.50% · 4.625%
HK$192,418
+HK$11,037/mo
Deposit HK$16.04M · loan HK$37.43M · min. income ≈ HK$362,762/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$2,272,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,878
−HK$10,259/mo
▼ 0.25% · 3.875%
HK$194,970
−HK$5,167/mo
Today · 4.125%
HK$200,137
baseline
▲ 0.50% · 4.625%
HK$210,686
+HK$10,549/mo
Deposit HK$16.04M · loan HK$37.43M · min. income ≈ HK$400,274/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$2,272,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,444
−HK$13,761/mo
▼ 0.25% · 3.875%
HK$226,270
−HK$6,935/mo
Today · 4.125%
HK$233,205
baseline
▲ 0.50% · 4.625%
HK$247,395
+HK$14,190/mo
Deposit HK$5.35M · loan HK$48.12M · min. income ≈ HK$466,410/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$2,272,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,129
−HK$13,189/mo
▼ 0.25% · 3.875%
HK$250,676
−HK$6,642/mo
Today · 4.125%
HK$257,318
baseline
▲ 0.50% · 4.625%
HK$270,882
+HK$13,564/mo
Deposit HK$5.35M · loan HK$48.12M · min. income ≈ HK$514,636/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$2,272,249 · Scale 2, in force from 26 Feb 2026)