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$124,139
−HK$7,785/mo
▼ 0.25% · 3.875%
HK$128,000
−HK$3,924/mo
Today · 4.125%
HK$131,924
baseline
▲ 0.50% · 4.625%
HK$139,951
+HK$8,027/mo
Deposit HK$27.22M · loan HK$27.22M · min. income ≈ HK$263,848/mo (50% DSR)
Upfront cash ≈ HK$29.53M (deposit + AVD stamp duty HK$2,313,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,103
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$141,807
−HK$3,758/mo
Today · 4.125%
HK$145,565
baseline
▲ 0.50% · 4.625%
HK$153,238
+HK$7,673/mo
Deposit HK$27.22M · loan HK$27.22M · min. income ≈ HK$291,130/mo (50% DSR)
Upfront cash ≈ HK$29.53M (deposit + AVD stamp duty HK$2,313,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,967
−HK$9,341/mo
▼ 0.25% · 3.875%
HK$153,600
−HK$4,708/mo
Today · 4.125%
HK$158,308
baseline
▲ 0.50% · 4.625%
HK$167,941
+HK$9,633/mo
Deposit HK$21.78M · loan HK$32.66M · min. income ≈ HK$316,616/mo (50% DSR)
Upfront cash ≈ HK$24.09M (deposit + AVD stamp duty HK$2,313,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,724
−HK$8,954/mo
▼ 0.25% · 3.875%
HK$170,169
−HK$4,509/mo
Today · 4.125%
HK$174,678
baseline
▲ 0.50% · 4.625%
HK$183,885
+HK$9,207/mo
Deposit HK$21.78M · loan HK$32.66M · min. income ≈ HK$349,356/mo (50% DSR)
Upfront cash ≈ HK$24.09M (deposit + AVD stamp duty HK$2,313,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,795
−HK$10,898/mo
▼ 0.25% · 3.875%
HK$179,201
−HK$5,492/mo
Today · 4.125%
HK$184,693
baseline
▲ 0.50% · 4.625%
HK$195,931
+HK$11,238/mo
Deposit HK$16.33M · loan HK$38.11M · min. income ≈ HK$369,386/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$2,313,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,345
−HK$10,446/mo
▼ 0.25% · 3.875%
HK$198,530
−HK$5,261/mo
Today · 4.125%
HK$203,791
baseline
▲ 0.50% · 4.625%
HK$214,533
+HK$10,742/mo
Deposit HK$16.33M · loan HK$38.11M · min. income ≈ HK$407,582/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$2,313,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,450
−HK$14,012/mo
▼ 0.25% · 3.875%
HK$230,401
−HK$7,061/mo
Today · 4.125%
HK$237,462
baseline
▲ 0.50% · 4.625%
HK$251,911
+HK$14,449/mo
Deposit HK$5.44M · loan HK$49.00M · min. income ≈ HK$474,924/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$2,313,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,586
−HK$13,430/mo
▼ 0.25% · 3.875%
HK$255,253
−HK$6,763/mo
Today · 4.125%
HK$262,016
baseline
▲ 0.50% · 4.625%
HK$275,828
+HK$13,812/mo
Deposit HK$5.44M · loan HK$49.00M · min. income ≈ HK$524,032/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$2,313,734 · Scale 2, in force from 26 Feb 2026)