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$131,379
−HK$8,238/mo
▼ 0.25% · 3.875%
HK$135,465
−HK$4,152/mo
Today · 4.125%
HK$139,617
baseline
▲ 0.50% · 4.625%
HK$148,113
+HK$8,496/mo
Deposit HK$28.81M · loan HK$28.81M · min. income ≈ HK$279,234/mo (50% DSR)
Upfront cash ≈ HK$31.26M (deposit + AVD stamp duty HK$2,448,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,157
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$150,077
−HK$3,977/mo
Today · 4.125%
HK$154,054
baseline
▲ 0.50% · 4.625%
HK$162,174
+HK$8,120/mo
Deposit HK$28.81M · loan HK$28.81M · min. income ≈ HK$308,108/mo (50% DSR)
Upfront cash ≈ HK$31.26M (deposit + AVD stamp duty HK$2,448,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,654
−HK$9,887/mo
▼ 0.25% · 3.875%
HK$162,558
−HK$4,983/mo
Today · 4.125%
HK$167,541
baseline
▲ 0.50% · 4.625%
HK$177,735
+HK$10,194/mo
Deposit HK$23.05M · loan HK$34.57M · min. income ≈ HK$335,082/mo (50% DSR)
Upfront cash ≈ HK$25.49M (deposit + AVD stamp duty HK$2,448,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,389
−HK$9,476/mo
▼ 0.25% · 3.875%
HK$180,093
−HK$4,772/mo
Today · 4.125%
HK$184,865
baseline
▲ 0.50% · 4.625%
HK$194,609
+HK$9,744/mo
Deposit HK$23.05M · loan HK$34.57M · min. income ≈ HK$369,730/mo (50% DSR)
Upfront cash ≈ HK$25.49M (deposit + AVD stamp duty HK$2,448,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,930
−HK$11,534/mo
▼ 0.25% · 3.875%
HK$189,651
−HK$5,813/mo
Today · 4.125%
HK$195,464
baseline
▲ 0.50% · 4.625%
HK$207,358
+HK$11,894/mo
Deposit HK$17.28M · loan HK$40.33M · min. income ≈ HK$390,928/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$2,448,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,620
−HK$11,055/mo
▼ 0.25% · 3.875%
HK$210,108
−HK$5,567/mo
Today · 4.125%
HK$215,675
baseline
▲ 0.50% · 4.625%
HK$227,044
+HK$11,369/mo
Deposit HK$17.28M · loan HK$40.33M · min. income ≈ HK$431,350/mo (50% DSR)
Upfront cash ≈ HK$19.73M (deposit + AVD stamp duty HK$2,448,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,482
−HK$14,829/mo
▼ 0.25% · 3.875%
HK$243,838
−HK$7,473/mo
Today · 4.125%
HK$251,311
baseline
▲ 0.50% · 4.625%
HK$266,603
+HK$15,292/mo
Deposit HK$5.76M · loan HK$51.85M · min. income ≈ HK$502,622/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$2,448,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$263,083
−HK$14,214/mo
▼ 0.25% · 3.875%
HK$270,139
−HK$7,158/mo
Today · 4.125%
HK$277,297
baseline
▲ 0.50% · 4.625%
HK$291,914
+HK$14,617/mo
Deposit HK$5.76M · loan HK$51.85M · min. income ≈ HK$554,594/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$2,448,669 · Scale 2, in force from 26 Feb 2026)