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$126,578
−HK$7,937/mo
▼ 0.25% · 3.875%
HK$130,515
−HK$4,000/mo
Today · 4.125%
HK$134,515
baseline
▲ 0.50% · 4.625%
HK$142,700
+HK$8,185/mo
Deposit HK$27.76M · loan HK$27.76M · min. income ≈ HK$269,030/mo (50% DSR)
Upfront cash ≈ HK$30.11M (deposit + AVD stamp duty HK$2,359,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,817
−HK$7,607/mo
▼ 0.25% · 3.875%
HK$144,593
−HK$3,831/mo
Today · 4.125%
HK$148,424
baseline
▲ 0.50% · 4.625%
HK$156,248
+HK$7,824/mo
Deposit HK$27.76M · loan HK$27.76M · min. income ≈ HK$296,848/mo (50% DSR)
Upfront cash ≈ HK$30.11M (deposit + AVD stamp duty HK$2,359,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,893
−HK$9,525/mo
▼ 0.25% · 3.875%
HK$156,618
−HK$4,800/mo
Today · 4.125%
HK$161,418
baseline
▲ 0.50% · 4.625%
HK$171,240
+HK$9,822/mo
Deposit HK$22.20M · loan HK$33.31M · min. income ≈ HK$322,836/mo (50% DSR)
Upfront cash ≈ HK$24.56M (deposit + AVD stamp duty HK$2,359,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,980
−HK$9,129/mo
▼ 0.25% · 3.875%
HK$173,512
−HK$4,597/mo
Today · 4.125%
HK$178,109
baseline
▲ 0.50% · 4.625%
HK$187,498
+HK$9,389/mo
Deposit HK$22.20M · loan HK$33.31M · min. income ≈ HK$356,218/mo (50% DSR)
Upfront cash ≈ HK$24.56M (deposit + AVD stamp duty HK$2,359,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,209
−HK$11,113/mo
▼ 0.25% · 3.875%
HK$182,721
−HK$5,601/mo
Today · 4.125%
HK$188,322
baseline
▲ 0.50% · 4.625%
HK$199,780
+HK$11,458/mo
Deposit HK$16.65M · loan HK$38.86M · min. income ≈ HK$376,644/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$2,359,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,143
−HK$10,651/mo
▼ 0.25% · 3.875%
HK$202,430
−HK$5,364/mo
Today · 4.125%
HK$207,794
baseline
▲ 0.50% · 4.625%
HK$218,747
+HK$10,953/mo
Deposit HK$16.65M · loan HK$38.86M · min. income ≈ HK$415,588/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$2,359,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,840
−HK$14,288/mo
▼ 0.25% · 3.875%
HK$234,927
−HK$7,201/mo
Today · 4.125%
HK$242,128
baseline
▲ 0.50% · 4.625%
HK$256,861
+HK$14,733/mo
Deposit HK$5.55M · loan HK$49.96M · min. income ≈ HK$484,256/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,359,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$253,470
−HK$13,694/mo
▼ 0.25% · 3.875%
HK$260,268
−HK$6,896/mo
Today · 4.125%
HK$267,164
baseline
▲ 0.50% · 4.625%
HK$281,247
+HK$14,083/mo
Deposit HK$5.55M · loan HK$49.96M · min. income ≈ HK$534,328/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$2,359,191 · Scale 2, in force from 26 Feb 2026)