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$112,726
−HK$7,069/mo
▼ 0.25% · 3.875%
HK$116,232
−HK$3,563/mo
Today · 4.125%
HK$119,795
baseline
▲ 0.50% · 4.625%
HK$127,084
+HK$7,289/mo
Deposit HK$24.72M · loan HK$24.72M · min. income ≈ HK$239,590/mo (50% DSR)
Upfront cash ≈ HK$26.82M (deposit + AVD stamp duty HK$2,101,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,406
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$128,770
−HK$3,412/mo
Today · 4.125%
HK$132,182
baseline
▲ 0.50% · 4.625%
HK$139,149
+HK$6,967/mo
Deposit HK$24.72M · loan HK$24.72M · min. income ≈ HK$264,364/mo (50% DSR)
Upfront cash ≈ HK$26.82M (deposit + AVD stamp duty HK$2,101,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,271
−HK$8,483/mo
▼ 0.25% · 3.875%
HK$139,479
−HK$4,275/mo
Today · 4.125%
HK$143,754
baseline
▲ 0.50% · 4.625%
HK$152,501
+HK$8,747/mo
Deposit HK$19.77M · loan HK$29.66M · min. income ≈ HK$287,508/mo (50% DSR)
Upfront cash ≈ HK$21.88M (deposit + AVD stamp duty HK$2,101,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,487
−HK$8,131/mo
▼ 0.25% · 3.875%
HK$154,523
−HK$4,095/mo
Today · 4.125%
HK$158,618
baseline
▲ 0.50% · 4.625%
HK$166,979
+HK$8,361/mo
Deposit HK$19.77M · loan HK$29.66M · min. income ≈ HK$317,236/mo (50% DSR)
Upfront cash ≈ HK$21.88M (deposit + AVD stamp duty HK$2,101,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,816
−HK$9,896/mo
▼ 0.25% · 3.875%
HK$162,725
−HK$4,987/mo
Today · 4.125%
HK$167,712
baseline
▲ 0.50% · 4.625%
HK$177,917
+HK$10,205/mo
Deposit HK$14.83M · loan HK$34.60M · min. income ≈ HK$335,424/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$2,101,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,569
−HK$9,485/mo
▼ 0.25% · 3.875%
HK$180,277
−HK$4,777/mo
Today · 4.125%
HK$185,054
baseline
▲ 0.50% · 4.625%
HK$194,809
+HK$9,755/mo
Deposit HK$14.83M · loan HK$34.60M · min. income ≈ HK$370,108/mo (50% DSR)
Upfront cash ≈ HK$16.93M (deposit + AVD stamp duty HK$2,101,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,906
−HK$12,724/mo
▼ 0.25% · 3.875%
HK$209,218
−HK$6,412/mo
Today · 4.125%
HK$215,630
baseline
▲ 0.50% · 4.625%
HK$228,751
+HK$13,121/mo
Deposit HK$4.94M · loan HK$44.49M · min. income ≈ HK$431,260/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$2,101,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,731
−HK$12,196/mo
▼ 0.25% · 3.875%
HK$231,785
−HK$6,142/mo
Today · 4.125%
HK$237,927
baseline
▲ 0.50% · 4.625%
HK$250,468
+HK$12,541/mo
Deposit HK$4.94M · loan HK$44.49M · min. income ≈ HK$475,854/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$2,101,011 · Scale 2, in force from 26 Feb 2026)