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$110,022
−HK$6,899/mo
▼ 0.25% · 3.875%
HK$113,444
−HK$3,477/mo
Today · 4.125%
HK$116,921
baseline
▲ 0.50% · 4.625%
HK$124,035
+HK$7,114/mo
Deposit HK$24.12M · loan HK$24.12M · min. income ≈ HK$233,842/mo (50% DSR)
Upfront cash ≈ HK$26.18M (deposit + AVD stamp duty HK$2,050,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,398
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$125,681
−HK$3,330/mo
Today · 4.125%
HK$129,011
baseline
▲ 0.50% · 4.625%
HK$135,811
+HK$6,800/mo
Deposit HK$24.12M · loan HK$24.12M · min. income ≈ HK$258,022/mo (50% DSR)
Upfront cash ≈ HK$26.18M (deposit + AVD stamp duty HK$2,050,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,026
−HK$8,279/mo
▼ 0.25% · 3.875%
HK$136,133
−HK$4,172/mo
Today · 4.125%
HK$140,305
baseline
▲ 0.50% · 4.625%
HK$148,842
+HK$8,537/mo
Deposit HK$19.30M · loan HK$28.95M · min. income ≈ HK$280,610/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$2,050,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,878
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$150,817
−HK$3,996/mo
Today · 4.125%
HK$154,813
baseline
▲ 0.50% · 4.625%
HK$162,973
+HK$8,160/mo
Deposit HK$19.30M · loan HK$28.95M · min. income ≈ HK$309,626/mo (50% DSR)
Upfront cash ≈ HK$21.35M (deposit + AVD stamp duty HK$2,050,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,030
−HK$9,659/mo
▼ 0.25% · 3.875%
HK$158,822
−HK$4,867/mo
Today · 4.125%
HK$163,689
baseline
▲ 0.50% · 4.625%
HK$173,650
+HK$9,961/mo
Deposit HK$14.47M · loan HK$33.77M · min. income ≈ HK$327,378/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$2,050,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,357
−HK$9,258/mo
▼ 0.25% · 3.875%
HK$175,953
−HK$4,662/mo
Today · 4.125%
HK$180,615
baseline
▲ 0.50% · 4.625%
HK$190,136
+HK$9,521/mo
Deposit HK$14.47M · loan HK$33.77M · min. income ≈ HK$361,230/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$2,050,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,039
−HK$12,419/mo
▼ 0.25% · 3.875%
HK$204,199
−HK$6,259/mo
Today · 4.125%
HK$210,458
baseline
▲ 0.50% · 4.625%
HK$223,264
+HK$12,806/mo
Deposit HK$4.82M · loan HK$43.42M · min. income ≈ HK$420,916/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,050,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$220,316
−HK$11,904/mo
▼ 0.25% · 3.875%
HK$226,225
−HK$5,995/mo
Today · 4.125%
HK$232,220
baseline
▲ 0.50% · 4.625%
HK$244,460
+HK$12,240/mo
Deposit HK$4.82M · loan HK$43.42M · min. income ≈ HK$464,440/mo (50% DSR)
Upfront cash ≈ HK$6.88M (deposit + AVD stamp duty HK$2,050,613 · Scale 2, in force from 26 Feb 2026)