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$127,563
−HK$7,999/mo
▼ 0.25% · 3.875%
HK$131,531
−HK$4,031/mo
Today · 4.125%
HK$135,562
baseline
▲ 0.50% · 4.625%
HK$143,811
+HK$8,249/mo
Deposit HK$27.97M · loan HK$27.97M · min. income ≈ HK$271,124/mo (50% DSR)
Upfront cash ≈ HK$30.35M (deposit + AVD stamp duty HK$2,377,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,912
−HK$7,668/mo
▼ 0.25% · 3.875%
HK$145,718
−HK$3,862/mo
Today · 4.125%
HK$149,580
baseline
▲ 0.50% · 4.625%
HK$157,464
+HK$7,884/mo
Deposit HK$27.97M · loan HK$27.97M · min. income ≈ HK$299,160/mo (50% DSR)
Upfront cash ≈ HK$30.35M (deposit + AVD stamp duty HK$2,377,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,076
−HK$9,599/mo
▼ 0.25% · 3.875%
HK$157,837
−HK$4,838/mo
Today · 4.125%
HK$162,675
baseline
▲ 0.50% · 4.625%
HK$172,573
+HK$9,898/mo
Deposit HK$22.38M · loan HK$33.57M · min. income ≈ HK$325,350/mo (50% DSR)
Upfront cash ≈ HK$24.75M (deposit + AVD stamp duty HK$2,377,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,295
−HK$9,200/mo
▼ 0.25% · 3.875%
HK$174,862
−HK$4,633/mo
Today · 4.125%
HK$179,495
baseline
▲ 0.50% · 4.625%
HK$188,957
+HK$9,462/mo
Deposit HK$22.38M · loan HK$33.57M · min. income ≈ HK$358,990/mo (50% DSR)
Upfront cash ≈ HK$24.75M (deposit + AVD stamp duty HK$2,377,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,588
−HK$11,199/mo
▼ 0.25% · 3.875%
HK$184,143
−HK$5,644/mo
Today · 4.125%
HK$189,787
baseline
▲ 0.50% · 4.625%
HK$201,335
+HK$11,548/mo
Deposit HK$16.78M · loan HK$39.16M · min. income ≈ HK$379,574/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$2,377,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,677
−HK$10,734/mo
▼ 0.25% · 3.875%
HK$204,006
−HK$5,405/mo
Today · 4.125%
HK$209,411
baseline
▲ 0.50% · 4.625%
HK$220,450
+HK$11,039/mo
Deposit HK$16.78M · loan HK$39.16M · min. income ≈ HK$418,822/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$2,377,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,613
−HK$14,399/mo
▼ 0.25% · 3.875%
HK$236,756
−HK$7,256/mo
Today · 4.125%
HK$244,012
baseline
▲ 0.50% · 4.625%
HK$258,860
+HK$14,848/mo
Deposit HK$5.59M · loan HK$50.35M · min. income ≈ HK$488,024/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$2,377,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,442
−HK$13,801/mo
▼ 0.25% · 3.875%
HK$262,293
−HK$6,950/mo
Today · 4.125%
HK$269,243
baseline
▲ 0.50% · 4.625%
HK$283,435
+HK$14,192/mo
Deposit HK$5.59M · loan HK$50.35M · min. income ≈ HK$538,486/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$2,377,551 · Scale 2, in force from 26 Feb 2026)