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$126,858
−HK$7,955/mo
▼ 0.25% · 3.875%
HK$130,804
−HK$4,009/mo
Today · 4.125%
HK$134,813
baseline
▲ 0.50% · 4.625%
HK$143,017
+HK$8,204/mo
Deposit HK$27.82M · loan HK$27.82M · min. income ≈ HK$269,626/mo (50% DSR)
Upfront cash ≈ HK$30.18M (deposit + AVD stamp duty HK$2,364,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,129
−HK$7,624/mo
▼ 0.25% · 3.875%
HK$144,914
−HK$3,839/mo
Today · 4.125%
HK$148,753
baseline
▲ 0.50% · 4.625%
HK$156,594
+HK$7,841/mo
Deposit HK$27.82M · loan HK$27.82M · min. income ≈ HK$297,506/mo (50% DSR)
Upfront cash ≈ HK$30.18M (deposit + AVD stamp duty HK$2,364,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,230
−HK$9,546/mo
▼ 0.25% · 3.875%
HK$156,965
−HK$4,811/mo
Today · 4.125%
HK$161,776
baseline
▲ 0.50% · 4.625%
HK$171,620
+HK$9,844/mo
Deposit HK$22.25M · loan HK$33.38M · min. income ≈ HK$323,552/mo (50% DSR)
Upfront cash ≈ HK$24.62M (deposit + AVD stamp duty HK$2,364,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,354
−HK$9,150/mo
▼ 0.25% · 3.875%
HK$173,896
−HK$4,608/mo
Today · 4.125%
HK$178,504
baseline
▲ 0.50% · 4.625%
HK$187,913
+HK$9,409/mo
Deposit HK$22.25M · loan HK$33.38M · min. income ≈ HK$357,008/mo (50% DSR)
Upfront cash ≈ HK$24.62M (deposit + AVD stamp duty HK$2,364,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,602
−HK$11,137/mo
▼ 0.25% · 3.875%
HK$183,126
−HK$5,613/mo
Today · 4.125%
HK$188,739
baseline
▲ 0.50% · 4.625%
HK$200,223
+HK$11,484/mo
Deposit HK$16.69M · loan HK$38.94M · min. income ≈ HK$377,478/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$2,364,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,580
−HK$10,675/mo
▼ 0.25% · 3.875%
HK$202,879
−HK$5,376/mo
Today · 4.125%
HK$208,255
baseline
▲ 0.50% · 4.625%
HK$219,232
+HK$10,977/mo
Deposit HK$16.69M · loan HK$38.94M · min. income ≈ HK$416,510/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$2,364,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,345
−HK$14,319/mo
▼ 0.25% · 3.875%
HK$235,448
−HK$7,216/mo
Today · 4.125%
HK$242,664
baseline
▲ 0.50% · 4.625%
HK$257,430
+HK$14,766/mo
Deposit HK$5.56M · loan HK$50.07M · min. income ≈ HK$485,328/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$2,364,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,031
−HK$13,725/mo
▼ 0.25% · 3.875%
HK$260,844
−HK$6,912/mo
Today · 4.125%
HK$267,756
baseline
▲ 0.50% · 4.625%
HK$281,870
+HK$14,114/mo
Deposit HK$5.56M · loan HK$50.07M · min. income ≈ HK$535,512/mo (50% DSR)
Upfront cash ≈ HK$7.93M (deposit + AVD stamp duty HK$2,364,418 · Scale 2, in force from 26 Feb 2026)