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$113,819
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$117,360
−HK$3,597/mo
Today · 4.125%
HK$120,957
baseline
▲ 0.50% · 4.625%
HK$128,317
+HK$7,360/mo
Deposit HK$24.96M · loan HK$24.96M · min. income ≈ HK$241,914/mo (50% DSR)
Upfront cash ≈ HK$27.08M (deposit + AVD stamp duty HK$2,121,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,623
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$130,019
−HK$3,445/mo
Today · 4.125%
HK$133,464
baseline
▲ 0.50% · 4.625%
HK$140,499
+HK$7,035/mo
Deposit HK$24.96M · loan HK$24.96M · min. income ≈ HK$266,928/mo (50% DSR)
Upfront cash ≈ HK$27.08M (deposit + AVD stamp duty HK$2,121,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,583
−HK$8,565/mo
▼ 0.25% · 3.875%
HK$140,831
−HK$4,317/mo
Today · 4.125%
HK$145,148
baseline
▲ 0.50% · 4.625%
HK$153,980
+HK$8,832/mo
Deposit HK$19.97M · loan HK$29.95M · min. income ≈ HK$290,296/mo (50% DSR)
Upfront cash ≈ HK$22.09M (deposit + AVD stamp duty HK$2,121,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,947
−HK$8,209/mo
▼ 0.25% · 3.875%
HK$156,022
−HK$4,134/mo
Today · 4.125%
HK$160,156
baseline
▲ 0.50% · 4.625%
HK$168,598
+HK$8,442/mo
Deposit HK$19.97M · loan HK$29.95M · min. income ≈ HK$320,312/mo (50% DSR)
Upfront cash ≈ HK$22.09M (deposit + AVD stamp duty HK$2,121,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,347
−HK$9,992/mo
▼ 0.25% · 3.875%
HK$164,303
−HK$5,036/mo
Today · 4.125%
HK$169,339
baseline
▲ 0.50% · 4.625%
HK$179,643
+HK$10,304/mo
Deposit HK$14.97M · loan HK$34.94M · min. income ≈ HK$338,678/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$2,121,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,272
−HK$9,577/mo
▼ 0.25% · 3.875%
HK$182,026
−HK$4,823/mo
Today · 4.125%
HK$186,849
baseline
▲ 0.50% · 4.625%
HK$196,698
+HK$9,849/mo
Deposit HK$14.97M · loan HK$34.94M · min. income ≈ HK$373,698/mo (50% DSR)
Upfront cash ≈ HK$17.10M (deposit + AVD stamp duty HK$2,121,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,874
−HK$12,848/mo
▼ 0.25% · 3.875%
HK$211,247
−HK$6,475/mo
Today · 4.125%
HK$217,722
baseline
▲ 0.50% · 4.625%
HK$230,970
+HK$13,248/mo
Deposit HK$4.99M · loan HK$44.92M · min. income ≈ HK$435,444/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$2,121,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,921
−HK$12,314/mo
▼ 0.25% · 3.875%
HK$234,033
−HK$6,202/mo
Today · 4.125%
HK$240,235
baseline
▲ 0.50% · 4.625%
HK$252,898
+HK$12,663/mo
Deposit HK$4.99M · loan HK$44.92M · min. income ≈ HK$480,470/mo (50% DSR)
Upfront cash ≈ HK$7.11M (deposit + AVD stamp duty HK$2,121,390 · Scale 2, in force from 26 Feb 2026)