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$111,364
−HK$6,983/mo
▼ 0.25% · 3.875%
HK$114,828
−HK$3,519/mo
Today · 4.125%
HK$118,347
baseline
▲ 0.50% · 4.625%
HK$125,548
+HK$7,201/mo
Deposit HK$24.42M · loan HK$24.42M · min. income ≈ HK$236,694/mo (50% DSR)
Upfront cash ≈ HK$26.49M (deposit + AVD stamp duty HK$2,075,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,891
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$127,213
−HK$3,371/mo
Today · 4.125%
HK$130,584
baseline
▲ 0.50% · 4.625%
HK$137,467
+HK$6,883/mo
Deposit HK$24.42M · loan HK$24.42M · min. income ≈ HK$261,168/mo (50% DSR)
Upfront cash ≈ HK$26.49M (deposit + AVD stamp duty HK$2,075,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,636
−HK$8,380/mo
▼ 0.25% · 3.875%
HK$137,793
−HK$4,223/mo
Today · 4.125%
HK$142,016
baseline
▲ 0.50% · 4.625%
HK$150,658
+HK$8,642/mo
Deposit HK$19.54M · loan HK$29.30M · min. income ≈ HK$284,032/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$2,075,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,669
−HK$8,032/mo
▼ 0.25% · 3.875%
HK$152,656
−HK$4,045/mo
Today · 4.125%
HK$156,701
baseline
▲ 0.50% · 4.625%
HK$164,961
+HK$8,260/mo
Deposit HK$19.54M · loan HK$29.30M · min. income ≈ HK$313,402/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$2,075,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,909
−HK$9,777/mo
▼ 0.25% · 3.875%
HK$160,759
−HK$4,927/mo
Today · 4.125%
HK$165,686
baseline
▲ 0.50% · 4.625%
HK$175,767
+HK$10,081/mo
Deposit HK$14.65M · loan HK$34.19M · min. income ≈ HK$331,372/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$2,075,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,447
−HK$9,371/mo
▼ 0.25% · 3.875%
HK$178,099
−HK$4,719/mo
Today · 4.125%
HK$182,818
baseline
▲ 0.50% · 4.625%
HK$192,454
+HK$9,636/mo
Deposit HK$14.65M · loan HK$34.19M · min. income ≈ HK$365,636/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$2,075,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,454
−HK$12,571/mo
▼ 0.25% · 3.875%
HK$206,690
−HK$6,335/mo
Today · 4.125%
HK$213,025
baseline
▲ 0.50% · 4.625%
HK$225,987
+HK$12,962/mo
Deposit HK$4.88M · loan HK$43.95M · min. income ≈ HK$426,050/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$2,075,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,003
−HK$12,049/mo
▼ 0.25% · 3.875%
HK$228,984
−HK$6,068/mo
Today · 4.125%
HK$235,052
baseline
▲ 0.50% · 4.625%
HK$247,441
+HK$12,389/mo
Deposit HK$4.88M · loan HK$43.95M · min. income ≈ HK$470,104/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$2,075,622 · Scale 2, in force from 26 Feb 2026)