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$126,511
−HK$7,933/mo
▼ 0.25% · 3.875%
HK$130,446
−HK$3,998/mo
Today · 4.125%
HK$134,444
baseline
▲ 0.50% · 4.625%
HK$142,625
+HK$8,181/mo
Deposit HK$27.74M · loan HK$27.74M · min. income ≈ HK$268,888/mo (50% DSR)
Upfront cash ≈ HK$30.10M (deposit + AVD stamp duty HK$2,357,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,742
−HK$7,604/mo
▼ 0.25% · 3.875%
HK$144,517
−HK$3,829/mo
Today · 4.125%
HK$148,346
baseline
▲ 0.50% · 4.625%
HK$156,165
+HK$7,819/mo
Deposit HK$27.74M · loan HK$27.74M · min. income ≈ HK$296,692/mo (50% DSR)
Upfront cash ≈ HK$30.10M (deposit + AVD stamp duty HK$2,357,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,813
−HK$9,520/mo
▼ 0.25% · 3.875%
HK$156,535
−HK$4,798/mo
Today · 4.125%
HK$161,333
baseline
▲ 0.50% · 4.625%
HK$171,150
+HK$9,817/mo
Deposit HK$22.19M · loan HK$33.29M · min. income ≈ HK$322,666/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$2,357,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,890
−HK$9,125/mo
▼ 0.25% · 3.875%
HK$173,420
−HK$4,595/mo
Today · 4.125%
HK$178,015
baseline
▲ 0.50% · 4.625%
HK$187,398
+HK$9,383/mo
Deposit HK$22.19M · loan HK$33.29M · min. income ≈ HK$356,030/mo (50% DSR)
Upfront cash ≈ HK$24.55M (deposit + AVD stamp duty HK$2,357,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,115
−HK$11,107/mo
▼ 0.25% · 3.875%
HK$182,624
−HK$5,598/mo
Today · 4.125%
HK$188,222
baseline
▲ 0.50% · 4.625%
HK$199,675
+HK$11,453/mo
Deposit HK$16.64M · loan HK$38.84M · min. income ≈ HK$376,444/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$2,357,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,039
−HK$10,645/mo
▼ 0.25% · 3.875%
HK$202,323
−HK$5,361/mo
Today · 4.125%
HK$207,684
baseline
▲ 0.50% · 4.625%
HK$218,631
+HK$10,947/mo
Deposit HK$16.64M · loan HK$38.84M · min. income ≈ HK$415,368/mo (50% DSR)
Upfront cash ≈ HK$19.00M (deposit + AVD stamp duty HK$2,357,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,719
−HK$14,280/mo
▼ 0.25% · 3.875%
HK$234,803
−HK$7,196/mo
Today · 4.125%
HK$241,999
baseline
▲ 0.50% · 4.625%
HK$256,725
+HK$14,726/mo
Deposit HK$5.55M · loan HK$49.93M · min. income ≈ HK$483,998/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,357,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,336
−HK$13,686/mo
▼ 0.25% · 3.875%
HK$260,130
−HK$6,892/mo
Today · 4.125%
HK$267,022
baseline
▲ 0.50% · 4.625%
HK$281,098
+HK$14,076/mo
Deposit HK$5.55M · loan HK$49.93M · min. income ≈ HK$534,044/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,357,941 · Scale 2, in force from 26 Feb 2026)