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$111,672
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$115,145
−HK$3,530/mo
Today · 4.125%
HK$118,675
baseline
▲ 0.50% · 4.625%
HK$125,896
+HK$7,221/mo
Deposit HK$24.49M · loan HK$24.49M · min. income ≈ HK$237,350/mo (50% DSR)
Upfront cash ≈ HK$26.57M (deposit + AVD stamp duty HK$2,081,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,234
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$127,566
−HK$3,380/mo
Today · 4.125%
HK$130,946
baseline
▲ 0.50% · 4.625%
HK$137,848
+HK$6,902/mo
Deposit HK$24.49M · loan HK$24.49M · min. income ≈ HK$261,892/mo (50% DSR)
Upfront cash ≈ HK$26.57M (deposit + AVD stamp duty HK$2,081,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,006
−HK$8,404/mo
▼ 0.25% · 3.875%
HK$138,175
−HK$4,235/mo
Today · 4.125%
HK$142,410
baseline
▲ 0.50% · 4.625%
HK$151,075
+HK$8,665/mo
Deposit HK$19.59M · loan HK$29.38M · min. income ≈ HK$284,820/mo (50% DSR)
Upfront cash ≈ HK$21.67M (deposit + AVD stamp duty HK$2,081,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,081
−HK$8,054/mo
▼ 0.25% · 3.875%
HK$153,079
−HK$4,056/mo
Today · 4.125%
HK$157,135
baseline
▲ 0.50% · 4.625%
HK$165,418
+HK$8,283/mo
Deposit HK$19.59M · loan HK$29.38M · min. income ≈ HK$314,270/mo (50% DSR)
Upfront cash ≈ HK$21.67M (deposit + AVD stamp duty HK$2,081,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,341
−HK$9,803/mo
▼ 0.25% · 3.875%
HK$161,204
−HK$4,940/mo
Today · 4.125%
HK$166,144
baseline
▲ 0.50% · 4.625%
HK$176,254
+HK$10,110/mo
Deposit HK$14.69M · loan HK$34.28M · min. income ≈ HK$332,288/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$2,081,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,927
−HK$9,397/mo
▼ 0.25% · 3.875%
HK$178,592
−HK$4,732/mo
Today · 4.125%
HK$183,324
baseline
▲ 0.50% · 4.625%
HK$192,987
+HK$9,663/mo
Deposit HK$14.69M · loan HK$34.28M · min. income ≈ HK$366,648/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$2,081,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,009
−HK$12,605/mo
▼ 0.25% · 3.875%
HK$207,262
−HK$6,352/mo
Today · 4.125%
HK$213,614
baseline
▲ 0.50% · 4.625%
HK$226,612
+HK$12,998/mo
Deposit HK$4.90M · loan HK$44.08M · min. income ≈ HK$427,228/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$2,081,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,621
−HK$12,081/mo
▼ 0.25% · 3.875%
HK$229,618
−HK$6,084/mo
Today · 4.125%
HK$235,702
baseline
▲ 0.50% · 4.625%
HK$248,127
+HK$12,425/mo
Deposit HK$4.90M · loan HK$44.08M · min. income ≈ HK$471,404/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$2,081,368 · Scale 2, in force from 26 Feb 2026)