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$111,700
−HK$7,004/mo
▼ 0.25% · 3.875%
HK$115,174
−HK$3,530/mo
Today · 4.125%
HK$118,704
baseline
▲ 0.50% · 4.625%
HK$125,927
+HK$7,223/mo
Deposit HK$24.49M · loan HK$24.49M · min. income ≈ HK$237,408/mo (50% DSR)
Upfront cash ≈ HK$26.57M (deposit + AVD stamp duty HK$2,081,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,265
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$127,597
−HK$3,381/mo
Today · 4.125%
HK$130,978
baseline
▲ 0.50% · 4.625%
HK$137,882
+HK$6,904/mo
Deposit HK$24.49M · loan HK$24.49M · min. income ≈ HK$261,956/mo (50% DSR)
Upfront cash ≈ HK$26.57M (deposit + AVD stamp duty HK$2,081,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,040
−HK$8,405/mo
▼ 0.25% · 3.875%
HK$138,209
−HK$4,236/mo
Today · 4.125%
HK$142,445
baseline
▲ 0.50% · 4.625%
HK$151,112
+HK$8,667/mo
Deposit HK$19.59M · loan HK$29.39M · min. income ≈ HK$284,890/mo (50% DSR)
Upfront cash ≈ HK$21.68M (deposit + AVD stamp duty HK$2,081,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,118
−HK$8,056/mo
▼ 0.25% · 3.875%
HK$153,117
−HK$4,057/mo
Today · 4.125%
HK$157,174
baseline
▲ 0.50% · 4.625%
HK$165,459
+HK$8,285/mo
Deposit HK$19.59M · loan HK$29.39M · min. income ≈ HK$314,348/mo (50% DSR)
Upfront cash ≈ HK$21.68M (deposit + AVD stamp duty HK$2,081,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,379
−HK$9,807/mo
▼ 0.25% · 3.875%
HK$161,244
−HK$4,942/mo
Today · 4.125%
HK$166,186
baseline
▲ 0.50% · 4.625%
HK$176,298
+HK$10,112/mo
Deposit HK$14.70M · loan HK$34.29M · min. income ≈ HK$332,372/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$2,081,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,971
−HK$9,399/mo
▼ 0.25% · 3.875%
HK$178,636
−HK$4,734/mo
Today · 4.125%
HK$183,370
baseline
▲ 0.50% · 4.625%
HK$193,035
+HK$9,665/mo
Deposit HK$14.70M · loan HK$34.29M · min. income ≈ HK$366,740/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$2,081,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,059
−HK$12,609/mo
▼ 0.25% · 3.875%
HK$207,313
−HK$6,355/mo
Today · 4.125%
HK$213,668
baseline
▲ 0.50% · 4.625%
HK$226,669
+HK$13,001/mo
Deposit HK$4.90M · loan HK$44.09M · min. income ≈ HK$427,336/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$2,081,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,677
−HK$12,084/mo
▼ 0.25% · 3.875%
HK$229,675
−HK$6,086/mo
Today · 4.125%
HK$235,761
baseline
▲ 0.50% · 4.625%
HK$248,188
+HK$12,427/mo
Deposit HK$4.90M · loan HK$44.09M · min. income ≈ HK$471,522/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$2,081,887 · Scale 2, in force from 26 Feb 2026)