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$112,374
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$115,870
−HK$3,551/mo
Today · 4.125%
HK$119,421
baseline
▲ 0.50% · 4.625%
HK$126,688
+HK$7,267/mo
Deposit HK$24.64M · loan HK$24.64M · min. income ≈ HK$238,842/mo (50% DSR)
Upfront cash ≈ HK$26.74M (deposit + AVD stamp duty HK$2,094,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,015
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$128,368
−HK$3,401/mo
Today · 4.125%
HK$131,769
baseline
▲ 0.50% · 4.625%
HK$138,715
+HK$6,946/mo
Deposit HK$24.64M · loan HK$24.64M · min. income ≈ HK$263,538/mo (50% DSR)
Upfront cash ≈ HK$26.74M (deposit + AVD stamp duty HK$2,094,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,849
−HK$8,456/mo
▼ 0.25% · 3.875%
HK$139,044
−HK$4,261/mo
Today · 4.125%
HK$143,305
baseline
▲ 0.50% · 4.625%
HK$152,025
+HK$8,720/mo
Deposit HK$19.71M · loan HK$29.57M · min. income ≈ HK$286,610/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$2,094,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,018
−HK$8,105/mo
▼ 0.25% · 3.875%
HK$154,042
−HK$4,081/mo
Today · 4.125%
HK$158,123
baseline
▲ 0.50% · 4.625%
HK$166,458
+HK$8,335/mo
Deposit HK$19.71M · loan HK$29.57M · min. income ≈ HK$316,246/mo (50% DSR)
Upfront cash ≈ HK$21.81M (deposit + AVD stamp duty HK$2,094,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,324
−HK$9,865/mo
▼ 0.25% · 3.875%
HK$162,218
−HK$4,971/mo
Today · 4.125%
HK$167,189
baseline
▲ 0.50% · 4.625%
HK$177,363
+HK$10,174/mo
Deposit HK$14.78M · loan HK$34.50M · min. income ≈ HK$334,378/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$2,094,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,021
−HK$9,456/mo
▼ 0.25% · 3.875%
HK$179,715
−HK$4,762/mo
Today · 4.125%
HK$184,477
baseline
▲ 0.50% · 4.625%
HK$194,201
+HK$9,724/mo
Deposit HK$14.78M · loan HK$34.50M · min. income ≈ HK$368,954/mo (50% DSR)
Upfront cash ≈ HK$16.88M (deposit + AVD stamp duty HK$2,094,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,274
−HK$12,684/mo
▼ 0.25% · 3.875%
HK$208,565
−HK$6,393/mo
Today · 4.125%
HK$214,958
baseline
▲ 0.50% · 4.625%
HK$228,038
+HK$13,080/mo
Deposit HK$4.93M · loan HK$44.35M · min. income ≈ HK$429,916/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$2,094,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,027
−HK$12,158/mo
▼ 0.25% · 3.875%
HK$231,062
−HK$6,123/mo
Today · 4.125%
HK$237,185
baseline
▲ 0.50% · 4.625%
HK$249,687
+HK$12,502/mo
Deposit HK$4.93M · loan HK$44.35M · min. income ≈ HK$474,370/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$2,094,460 · Scale 2, in force from 26 Feb 2026)