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$120,198
−HK$7,538/mo
▼ 0.25% · 3.875%
HK$123,937
−HK$3,799/mo
Today · 4.125%
HK$127,736
baseline
▲ 0.50% · 4.625%
HK$135,508
+HK$7,772/mo
Deposit HK$26.36M · loan HK$26.36M · min. income ≈ HK$255,472/mo (50% DSR)
Upfront cash ≈ HK$28.60M (deposit + AVD stamp duty HK$2,240,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,719
−HK$7,225/mo
▼ 0.25% · 3.875%
HK$137,305
−HK$3,639/mo
Today · 4.125%
HK$140,944
baseline
▲ 0.50% · 4.625%
HK$148,373
+HK$7,429/mo
Deposit HK$26.36M · loan HK$26.36M · min. income ≈ HK$281,888/mo (50% DSR)
Upfront cash ≈ HK$28.60M (deposit + AVD stamp duty HK$2,240,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,238
−HK$9,045/mo
▼ 0.25% · 3.875%
HK$148,724
−HK$4,559/mo
Today · 4.125%
HK$153,283
baseline
▲ 0.50% · 4.625%
HK$162,610
+HK$9,327/mo
Deposit HK$21.09M · loan HK$31.63M · min. income ≈ HK$306,566/mo (50% DSR)
Upfront cash ≈ HK$23.33M (deposit + AVD stamp duty HK$2,240,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,463
−HK$8,669/mo
▼ 0.25% · 3.875%
HK$164,767
−HK$4,365/mo
Today · 4.125%
HK$169,132
baseline
▲ 0.50% · 4.625%
HK$178,048
+HK$8,916/mo
Deposit HK$21.09M · loan HK$31.63M · min. income ≈ HK$338,264/mo (50% DSR)
Upfront cash ≈ HK$23.33M (deposit + AVD stamp duty HK$2,240,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,277
−HK$10,553/mo
▼ 0.25% · 3.875%
HK$173,512
−HK$5,318/mo
Today · 4.125%
HK$178,830
baseline
▲ 0.50% · 4.625%
HK$189,711
+HK$10,881/mo
Deposit HK$15.81M · loan HK$36.90M · min. income ≈ HK$357,660/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$2,240,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,207
−HK$10,114/mo
▼ 0.25% · 3.875%
HK$192,228
−HK$5,093/mo
Today · 4.125%
HK$197,321
baseline
▲ 0.50% · 4.625%
HK$207,722
+HK$10,401/mo
Deposit HK$15.81M · loan HK$36.90M · min. income ≈ HK$394,642/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$2,240,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,357
−HK$13,567/mo
▼ 0.25% · 3.875%
HK$223,087
−HK$6,837/mo
Today · 4.125%
HK$229,924
baseline
▲ 0.50% · 4.625%
HK$243,914
+HK$13,990/mo
Deposit HK$5.27M · loan HK$47.44M · min. income ≈ HK$459,848/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$2,240,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,695
−HK$13,004/mo
▼ 0.25% · 3.875%
HK$247,150
−HK$6,549/mo
Today · 4.125%
HK$253,699
baseline
▲ 0.50% · 4.625%
HK$267,071
+HK$13,372/mo
Deposit HK$5.27M · loan HK$47.44M · min. income ≈ HK$507,398/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$2,240,284 · Scale 2, in force from 26 Feb 2026)