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$116,971
−HK$7,335/mo
▼ 0.25% · 3.875%
HK$120,609
−HK$3,697/mo
Today · 4.125%
HK$124,306
baseline
▲ 0.50% · 4.625%
HK$131,870
+HK$7,564/mo
Deposit HK$25.65M · loan HK$25.65M · min. income ≈ HK$248,612/mo (50% DSR)
Upfront cash ≈ HK$27.83M (deposit + AVD stamp duty HK$2,180,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,129
−HK$7,031/mo
▼ 0.25% · 3.875%
HK$133,619
−HK$3,541/mo
Today · 4.125%
HK$137,160
baseline
▲ 0.50% · 4.625%
HK$144,389
+HK$7,229/mo
Deposit HK$25.65M · loan HK$25.65M · min. income ≈ HK$274,320/mo (50% DSR)
Upfront cash ≈ HK$27.83M (deposit + AVD stamp duty HK$2,180,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,365
−HK$8,802/mo
▼ 0.25% · 3.875%
HK$144,731
−HK$4,436/mo
Today · 4.125%
HK$149,167
baseline
▲ 0.50% · 4.625%
HK$158,244
+HK$9,077/mo
Deposit HK$20.52M · loan HK$30.78M · min. income ≈ HK$298,334/mo (50% DSR)
Upfront cash ≈ HK$22.70M (deposit + AVD stamp duty HK$2,180,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,155
−HK$8,436/mo
▼ 0.25% · 3.875%
HK$160,343
−HK$4,248/mo
Today · 4.125%
HK$164,591
baseline
▲ 0.50% · 4.625%
HK$173,267
+HK$8,676/mo
Deposit HK$20.52M · loan HK$30.78M · min. income ≈ HK$329,182/mo (50% DSR)
Upfront cash ≈ HK$22.70M (deposit + AVD stamp duty HK$2,180,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,759
−HK$10,270/mo
▼ 0.25% · 3.875%
HK$168,853
−HK$5,176/mo
Today · 4.125%
HK$174,029
baseline
▲ 0.50% · 4.625%
HK$184,618
+HK$10,589/mo
Deposit HK$15.39M · loan HK$35.91M · min. income ≈ HK$348,058/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$2,180,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,181
−HK$9,842/mo
▼ 0.25% · 3.875%
HK$187,067
−HK$4,956/mo
Today · 4.125%
HK$192,023
baseline
▲ 0.50% · 4.625%
HK$202,145
+HK$10,122/mo
Deposit HK$15.39M · loan HK$35.91M · min. income ≈ HK$384,046/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$2,180,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,548
−HK$13,203/mo
▼ 0.25% · 3.875%
HK$217,097
−HK$6,654/mo
Today · 4.125%
HK$223,751
baseline
▲ 0.50% · 4.625%
HK$237,366
+HK$13,615/mo
Deposit HK$5.13M · loan HK$46.17M · min. income ≈ HK$447,502/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,180,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,232
−HK$12,655/mo
▼ 0.25% · 3.875%
HK$240,514
−HK$6,373/mo
Today · 4.125%
HK$246,887
baseline
▲ 0.50% · 4.625%
HK$259,901
+HK$13,014/mo
Deposit HK$5.13M · loan HK$46.17M · min. income ≈ HK$493,774/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,180,136 · Scale 2, in force from 26 Feb 2026)