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$111,499
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$114,968
−HK$3,523/mo
Today · 4.125%
HK$118,491
baseline
▲ 0.50% · 4.625%
HK$125,701
+HK$7,210/mo
Deposit HK$24.45M · loan HK$24.45M · min. income ≈ HK$236,982/mo (50% DSR)
Upfront cash ≈ HK$26.53M (deposit + AVD stamp duty HK$2,078,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,042
−HK$6,701/mo
▼ 0.25% · 3.875%
HK$127,369
−HK$3,374/mo
Today · 4.125%
HK$130,743
baseline
▲ 0.50% · 4.625%
HK$137,635
+HK$6,892/mo
Deposit HK$24.45M · loan HK$24.45M · min. income ≈ HK$261,486/mo (50% DSR)
Upfront cash ≈ HK$26.53M (deposit + AVD stamp duty HK$2,078,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,799
−HK$8,390/mo
▼ 0.25% · 3.875%
HK$137,961
−HK$4,228/mo
Today · 4.125%
HK$142,189
baseline
▲ 0.50% · 4.625%
HK$150,841
+HK$8,652/mo
Deposit HK$19.56M · loan HK$29.34M · min. income ≈ HK$284,378/mo (50% DSR)
Upfront cash ≈ HK$21.64M (deposit + AVD stamp duty HK$2,078,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,850
−HK$8,042/mo
▼ 0.25% · 3.875%
HK$152,842
−HK$4,050/mo
Today · 4.125%
HK$156,892
baseline
▲ 0.50% · 4.625%
HK$165,162
+HK$8,270/mo
Deposit HK$19.56M · loan HK$29.34M · min. income ≈ HK$313,784/mo (50% DSR)
Upfront cash ≈ HK$21.64M (deposit + AVD stamp duty HK$2,078,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,099
−HK$9,789/mo
▼ 0.25% · 3.875%
HK$160,955
−HK$4,933/mo
Today · 4.125%
HK$165,888
baseline
▲ 0.50% · 4.625%
HK$175,982
+HK$10,094/mo
Deposit HK$14.67M · loan HK$34.23M · min. income ≈ HK$331,776/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$2,078,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,659
−HK$9,382/mo
▼ 0.25% · 3.875%
HK$178,316
−HK$4,725/mo
Today · 4.125%
HK$183,041
baseline
▲ 0.50% · 4.625%
HK$192,689
+HK$9,648/mo
Deposit HK$14.67M · loan HK$34.23M · min. income ≈ HK$366,082/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$2,078,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,699
−HK$12,585/mo
▼ 0.25% · 3.875%
HK$206,942
−HK$6,342/mo
Today · 4.125%
HK$213,284
baseline
▲ 0.50% · 4.625%
HK$226,262
+HK$12,978/mo
Deposit HK$4.89M · loan HK$44.01M · min. income ≈ HK$426,568/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,078,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,275
−HK$12,063/mo
▼ 0.25% · 3.875%
HK$229,263
−HK$6,075/mo
Today · 4.125%
HK$235,338
baseline
▲ 0.50% · 4.625%
HK$247,743
+HK$12,405/mo
Deposit HK$4.89M · loan HK$44.01M · min. income ≈ HK$470,676/mo (50% DSR)
Upfront cash ≈ HK$6.97M (deposit + AVD stamp duty HK$2,078,152 · Scale 2, in force from 26 Feb 2026)