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$108,955
−HK$6,832/mo
▼ 0.25% · 3.875%
HK$112,344
−HK$3,443/mo
Today · 4.125%
HK$115,787
baseline
▲ 0.50% · 4.625%
HK$122,833
+HK$7,046/mo
Deposit HK$23.89M · loan HK$23.89M · min. income ≈ HK$231,574/mo (50% DSR)
Upfront cash ≈ HK$25.92M (deposit + AVD stamp duty HK$2,030,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,211
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$124,462
−HK$3,298/mo
Today · 4.125%
HK$127,760
baseline
▲ 0.50% · 4.625%
HK$134,494
+HK$6,734/mo
Deposit HK$23.89M · loan HK$23.89M · min. income ≈ HK$255,520/mo (50% DSR)
Upfront cash ≈ HK$25.92M (deposit + AVD stamp duty HK$2,030,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,746
−HK$8,199/mo
▼ 0.25% · 3.875%
HK$134,813
−HK$4,132/mo
Today · 4.125%
HK$138,945
baseline
▲ 0.50% · 4.625%
HK$147,399
+HK$8,454/mo
Deposit HK$19.11M · loan HK$28.67M · min. income ≈ HK$277,890/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$2,030,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,453
−HK$7,859/mo
▼ 0.25% · 3.875%
HK$149,354
−HK$3,958/mo
Today · 4.125%
HK$153,312
baseline
▲ 0.50% · 4.625%
HK$161,393
+HK$8,081/mo
Deposit HK$19.11M · loan HK$28.67M · min. income ≈ HK$306,624/mo (50% DSR)
Upfront cash ≈ HK$21.14M (deposit + AVD stamp duty HK$2,030,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,537
−HK$9,565/mo
▼ 0.25% · 3.875%
HK$157,281
−HK$4,821/mo
Today · 4.125%
HK$162,102
baseline
▲ 0.50% · 4.625%
HK$171,966
+HK$9,864/mo
Deposit HK$14.33M · loan HK$33.45M · min. income ≈ HK$324,204/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$2,030,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,695
−HK$9,169/mo
▼ 0.25% · 3.875%
HK$174,247
−HK$4,617/mo
Today · 4.125%
HK$178,864
baseline
▲ 0.50% · 4.625%
HK$188,292
+HK$9,428/mo
Deposit HK$14.33M · loan HK$33.45M · min. income ≈ HK$357,728/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$2,030,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,119
−HK$12,298/mo
▼ 0.25% · 3.875%
HK$202,219
−HK$6,198/mo
Today · 4.125%
HK$208,417
baseline
▲ 0.50% · 4.625%
HK$221,099
+HK$12,682/mo
Deposit HK$4.78M · loan HK$43.00M · min. income ≈ HK$416,834/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$2,030,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,180
−HK$11,788/mo
▼ 0.25% · 3.875%
HK$224,031
−HK$5,937/mo
Today · 4.125%
HK$229,968
baseline
▲ 0.50% · 4.625%
HK$242,089
+HK$12,121/mo
Deposit HK$4.78M · loan HK$43.00M · min. income ≈ HK$459,936/mo (50% DSR)
Upfront cash ≈ HK$6.81M (deposit + AVD stamp duty HK$2,030,727 · Scale 2, in force from 26 Feb 2026)