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$116,449
−HK$7,302/mo
▼ 0.25% · 3.875%
HK$120,071
−HK$3,680/mo
Today · 4.125%
HK$123,751
baseline
▲ 0.50% · 4.625%
HK$131,281
+HK$7,530/mo
Deposit HK$25.53M · loan HK$25.53M · min. income ≈ HK$247,502/mo (50% DSR)
Upfront cash ≈ HK$27.70M (deposit + AVD stamp duty HK$2,170,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,548
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$133,023
−HK$3,524/mo
Today · 4.125%
HK$136,547
baseline
▲ 0.50% · 4.625%
HK$143,745
+HK$7,198/mo
Deposit HK$25.53M · loan HK$25.53M · min. income ≈ HK$273,094/mo (50% DSR)
Upfront cash ≈ HK$27.70M (deposit + AVD stamp duty HK$2,170,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,739
−HK$8,763/mo
▼ 0.25% · 3.875%
HK$144,085
−HK$4,417/mo
Today · 4.125%
HK$148,502
baseline
▲ 0.50% · 4.625%
HK$157,538
+HK$9,036/mo
Deposit HK$20.43M · loan HK$30.64M · min. income ≈ HK$297,004/mo (50% DSR)
Upfront cash ≈ HK$22.60M (deposit + AVD stamp duty HK$2,170,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,458
−HK$8,399/mo
▼ 0.25% · 3.875%
HK$159,627
−HK$4,230/mo
Today · 4.125%
HK$163,857
baseline
▲ 0.50% · 4.625%
HK$172,494
+HK$8,637/mo
Deposit HK$20.43M · loan HK$30.64M · min. income ≈ HK$327,714/mo (50% DSR)
Upfront cash ≈ HK$22.60M (deposit + AVD stamp duty HK$2,170,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,029
−HK$10,223/mo
▼ 0.25% · 3.875%
HK$168,100
−HK$5,152/mo
Today · 4.125%
HK$173,252
baseline
▲ 0.50% · 4.625%
HK$183,794
+HK$10,542/mo
Deposit HK$15.32M · loan HK$35.75M · min. income ≈ HK$346,504/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$2,170,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,368
−HK$9,798/mo
▼ 0.25% · 3.875%
HK$186,232
−HK$4,934/mo
Today · 4.125%
HK$191,166
baseline
▲ 0.50% · 4.625%
HK$201,243
+HK$10,077/mo
Deposit HK$15.32M · loan HK$35.75M · min. income ≈ HK$382,332/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$2,170,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,608
−HK$13,145/mo
▼ 0.25% · 3.875%
HK$216,128
−HK$6,625/mo
Today · 4.125%
HK$222,753
baseline
▲ 0.50% · 4.625%
HK$236,306
+HK$13,553/mo
Deposit HK$5.11M · loan HK$45.96M · min. income ≈ HK$445,506/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$2,170,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,187
−HK$12,598/mo
▼ 0.25% · 3.875%
HK$239,441
−HK$6,344/mo
Today · 4.125%
HK$245,785
baseline
▲ 0.50% · 4.625%
HK$258,741
+HK$12,956/mo
Deposit HK$5.11M · loan HK$45.96M · min. income ≈ HK$491,570/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$2,170,407 · Scale 2, in force from 26 Feb 2026)