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$119,692
−HK$7,506/mo
▼ 0.25% · 3.875%
HK$123,415
−HK$3,783/mo
Today · 4.125%
HK$127,198
baseline
▲ 0.50% · 4.625%
HK$134,938
+HK$7,740/mo
Deposit HK$26.25M · loan HK$26.25M · min. income ≈ HK$254,396/mo (50% DSR)
Upfront cash ≈ HK$28.48M (deposit + AVD stamp duty HK$2,230,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,156
−HK$7,195/mo
▼ 0.25% · 3.875%
HK$136,728
−HK$3,623/mo
Today · 4.125%
HK$140,351
baseline
▲ 0.50% · 4.625%
HK$147,749
+HK$7,398/mo
Deposit HK$26.25M · loan HK$26.25M · min. income ≈ HK$280,702/mo (50% DSR)
Upfront cash ≈ HK$28.48M (deposit + AVD stamp duty HK$2,230,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,631
−HK$9,007/mo
▼ 0.25% · 3.875%
HK$148,099
−HK$4,539/mo
Today · 4.125%
HK$152,638
baseline
▲ 0.50% · 4.625%
HK$161,925
+HK$9,287/mo
Deposit HK$21.00M · loan HK$31.49M · min. income ≈ HK$305,276/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$2,230,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,788
−HK$8,633/mo
▼ 0.25% · 3.875%
HK$164,073
−HK$4,348/mo
Today · 4.125%
HK$168,421
baseline
▲ 0.50% · 4.625%
HK$177,298
+HK$8,877/mo
Deposit HK$21.00M · loan HK$31.49M · min. income ≈ HK$336,842/mo (50% DSR)
Upfront cash ≈ HK$23.23M (deposit + AVD stamp duty HK$2,230,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,569
−HK$10,508/mo
▼ 0.25% · 3.875%
HK$172,782
−HK$5,295/mo
Today · 4.125%
HK$178,077
baseline
▲ 0.50% · 4.625%
HK$188,913
+HK$10,836/mo
Deposit HK$15.75M · loan HK$36.74M · min. income ≈ HK$356,154/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$2,230,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,419
−HK$10,072/mo
▼ 0.25% · 3.875%
HK$191,419
−HK$5,072/mo
Today · 4.125%
HK$196,491
baseline
▲ 0.50% · 4.625%
HK$206,848
+HK$10,357/mo
Deposit HK$15.75M · loan HK$36.74M · min. income ≈ HK$392,982/mo (50% DSR)
Upfront cash ≈ HK$17.98M (deposit + AVD stamp duty HK$2,230,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,446
−HK$13,511/mo
▼ 0.25% · 3.875%
HK$222,148
−HK$6,809/mo
Today · 4.125%
HK$228,957
baseline
▲ 0.50% · 4.625%
HK$242,888
+HK$13,931/mo
Deposit HK$5.25M · loan HK$47.24M · min. income ≈ HK$457,914/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,230,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,682
−HK$12,949/mo
▼ 0.25% · 3.875%
HK$246,110
−HK$6,521/mo
Today · 4.125%
HK$252,631
baseline
▲ 0.50% · 4.625%
HK$265,947
+HK$13,316/mo
Deposit HK$5.25M · loan HK$47.24M · min. income ≈ HK$505,262/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,230,856 · Scale 2, in force from 26 Feb 2026)