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$109,147
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$112,542
−HK$3,450/mo
Today · 4.125%
HK$115,992
baseline
▲ 0.50% · 4.625%
HK$123,049
+HK$7,057/mo
Deposit HK$23.93M · loan HK$23.93M · min. income ≈ HK$231,984/mo (50% DSR)
Upfront cash ≈ HK$25.97M (deposit + AVD stamp duty HK$2,034,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,425
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$124,682
−HK$3,303/mo
Today · 4.125%
HK$127,985
baseline
▲ 0.50% · 4.625%
HK$134,732
+HK$6,747/mo
Deposit HK$23.93M · loan HK$23.93M · min. income ≈ HK$255,970/mo (50% DSR)
Upfront cash ≈ HK$25.97M (deposit + AVD stamp duty HK$2,034,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,977
−HK$8,213/mo
▼ 0.25% · 3.875%
HK$135,051
−HK$4,139/mo
Today · 4.125%
HK$139,190
baseline
▲ 0.50% · 4.625%
HK$147,659
+HK$8,469/mo
Deposit HK$19.15M · loan HK$28.72M · min. income ≈ HK$278,380/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$2,034,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,710
−HK$7,872/mo
▼ 0.25% · 3.875%
HK$149,618
−HK$3,964/mo
Today · 4.125%
HK$153,582
baseline
▲ 0.50% · 4.625%
HK$161,678
+HK$8,096/mo
Deposit HK$19.15M · loan HK$28.72M · min. income ≈ HK$307,164/mo (50% DSR)
Upfront cash ≈ HK$21.18M (deposit + AVD stamp duty HK$2,034,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,806
−HK$9,582/mo
▼ 0.25% · 3.875%
HK$157,559
−HK$4,829/mo
Today · 4.125%
HK$162,388
baseline
▲ 0.50% · 4.625%
HK$172,269
+HK$9,881/mo
Deposit HK$14.36M · loan HK$33.51M · min. income ≈ HK$324,776/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$2,034,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,995
−HK$9,184/mo
▼ 0.25% · 3.875%
HK$174,554
−HK$4,625/mo
Today · 4.125%
HK$179,179
baseline
▲ 0.50% · 4.625%
HK$188,624
+HK$9,445/mo
Deposit HK$14.36M · loan HK$33.51M · min. income ≈ HK$358,358/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$2,034,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,465
−HK$12,320/mo
▼ 0.25% · 3.875%
HK$202,576
−HK$6,209/mo
Today · 4.125%
HK$208,785
baseline
▲ 0.50% · 4.625%
HK$221,489
+HK$12,704/mo
Deposit HK$4.79M · loan HK$43.08M · min. income ≈ HK$417,570/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$2,034,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,565
−HK$11,809/mo
▼ 0.25% · 3.875%
HK$224,427
−HK$5,947/mo
Today · 4.125%
HK$230,374
baseline
▲ 0.50% · 4.625%
HK$242,517
+HK$12,143/mo
Deposit HK$4.79M · loan HK$43.08M · min. income ≈ HK$460,748/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$2,034,313 · Scale 2, in force from 26 Feb 2026)