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$117,443
−HK$7,365/mo
▼ 0.25% · 3.875%
HK$121,096
−HK$3,712/mo
Today · 4.125%
HK$124,808
baseline
▲ 0.50% · 4.625%
HK$132,402
+HK$7,594/mo
Deposit HK$25.75M · loan HK$25.75M · min. income ≈ HK$249,616/mo (50% DSR)
Upfront cash ≈ HK$27.94M (deposit + AVD stamp duty HK$2,188,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,654
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$134,158
−HK$3,555/mo
Today · 4.125%
HK$137,713
baseline
▲ 0.50% · 4.625%
HK$144,972
+HK$7,259/mo
Deposit HK$25.75M · loan HK$25.75M · min. income ≈ HK$275,426/mo (50% DSR)
Upfront cash ≈ HK$27.94M (deposit + AVD stamp duty HK$2,188,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,932
−HK$8,837/mo
▼ 0.25% · 3.875%
HK$145,315
−HK$4,454/mo
Today · 4.125%
HK$149,769
baseline
▲ 0.50% · 4.625%
HK$158,882
+HK$9,113/mo
Deposit HK$20.60M · loan HK$30.90M · min. income ≈ HK$299,538/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$2,188,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,785
−HK$8,471/mo
▼ 0.25% · 3.875%
HK$160,990
−HK$4,266/mo
Today · 4.125%
HK$165,256
baseline
▲ 0.50% · 4.625%
HK$173,967
+HK$8,711/mo
Deposit HK$20.60M · loan HK$30.90M · min. income ≈ HK$330,512/mo (50% DSR)
Upfront cash ≈ HK$22.79M (deposit + AVD stamp duty HK$2,188,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,420
−HK$10,311/mo
▼ 0.25% · 3.875%
HK$169,535
−HK$5,196/mo
Today · 4.125%
HK$174,731
baseline
▲ 0.50% · 4.625%
HK$185,363
+HK$10,632/mo
Deposit HK$15.45M · loan HK$36.05M · min. income ≈ HK$349,462/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$2,188,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,916
−HK$9,882/mo
▼ 0.25% · 3.875%
HK$187,822
−HK$4,976/mo
Today · 4.125%
HK$192,798
baseline
▲ 0.50% · 4.625%
HK$202,961
+HK$10,163/mo
Deposit HK$15.45M · loan HK$36.05M · min. income ≈ HK$385,596/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$2,188,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,398
−HK$13,256/mo
▼ 0.25% · 3.875%
HK$217,973
−HK$6,681/mo
Today · 4.125%
HK$224,654
baseline
▲ 0.50% · 4.625%
HK$238,324
+HK$13,670/mo
Deposit HK$5.15M · loan HK$46.35M · min. income ≈ HK$449,308/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$2,188,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$235,178
−HK$12,706/mo
▼ 0.25% · 3.875%
HK$241,485
−HK$6,399/mo
Today · 4.125%
HK$247,884
baseline
▲ 0.50% · 4.625%
HK$260,950
+HK$13,066/mo
Deposit HK$5.15M · loan HK$46.35M · min. income ≈ HK$495,768/mo (50% DSR)
Upfront cash ≈ HK$7.34M (deposit + AVD stamp duty HK$2,188,934 · Scale 2, in force from 26 Feb 2026)