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$129,680
−HK$8,132/mo
▼ 0.25% · 3.875%
HK$133,714
−HK$4,098/mo
Today · 4.125%
HK$137,812
baseline
▲ 0.50% · 4.625%
HK$146,197
+HK$8,385/mo
Deposit HK$28.44M · loan HK$28.44M · min. income ≈ HK$275,624/mo (50% DSR)
Upfront cash ≈ HK$30.85M (deposit + AVD stamp duty HK$2,417,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,267
−HK$7,795/mo
▼ 0.25% · 3.875%
HK$148,137
−HK$3,925/mo
Today · 4.125%
HK$152,062
baseline
▲ 0.50% · 4.625%
HK$160,077
+HK$8,015/mo
Deposit HK$28.44M · loan HK$28.44M · min. income ≈ HK$304,124/mo (50% DSR)
Upfront cash ≈ HK$30.85M (deposit + AVD stamp duty HK$2,417,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,616
−HK$9,758/mo
▼ 0.25% · 3.875%
HK$160,456
−HK$4,918/mo
Today · 4.125%
HK$165,374
baseline
▲ 0.50% · 4.625%
HK$175,437
+HK$10,063/mo
Deposit HK$22.75M · loan HK$34.12M · min. income ≈ HK$330,748/mo (50% DSR)
Upfront cash ≈ HK$25.17M (deposit + AVD stamp duty HK$2,417,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,121
−HK$9,353/mo
▼ 0.25% · 3.875%
HK$177,764
−HK$4,710/mo
Today · 4.125%
HK$182,474
baseline
▲ 0.50% · 4.625%
HK$192,093
+HK$9,619/mo
Deposit HK$22.75M · loan HK$34.12M · min. income ≈ HK$364,948/mo (50% DSR)
Upfront cash ≈ HK$25.17M (deposit + AVD stamp duty HK$2,417,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,552
−HK$11,385/mo
▼ 0.25% · 3.875%
HK$187,199
−HK$5,738/mo
Today · 4.125%
HK$192,937
baseline
▲ 0.50% · 4.625%
HK$204,676
+HK$11,739/mo
Deposit HK$17.06M · loan HK$39.81M · min. income ≈ HK$385,874/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$2,417,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,974
−HK$10,912/mo
▼ 0.25% · 3.875%
HK$207,391
−HK$5,495/mo
Today · 4.125%
HK$212,886
baseline
▲ 0.50% · 4.625%
HK$224,108
+HK$11,222/mo
Deposit HK$17.06M · loan HK$39.81M · min. income ≈ HK$425,772/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$2,417,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,424
−HK$14,637/mo
▼ 0.25% · 3.875%
HK$240,684
−HK$7,377/mo
Today · 4.125%
HK$248,061
baseline
▲ 0.50% · 4.625%
HK$263,155
+HK$15,094/mo
Deposit HK$5.69M · loan HK$51.18M · min. income ≈ HK$496,122/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,417,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,681
−HK$14,030/mo
▼ 0.25% · 3.875%
HK$266,646
−HK$7,065/mo
Today · 4.125%
HK$273,711
baseline
▲ 0.50% · 4.625%
HK$288,139
+HK$14,428/mo
Deposit HK$5.69M · loan HK$51.18M · min. income ≈ HK$547,422/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,417,005 · Scale 2, in force from 26 Feb 2026)