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$114,991
−HK$7,210/mo
▼ 0.25% · 3.875%
HK$118,567
−HK$3,634/mo
Today · 4.125%
HK$122,201
baseline
▲ 0.50% · 4.625%
HK$129,637
+HK$7,436/mo
Deposit HK$25.21M · loan HK$25.21M · min. income ≈ HK$244,402/mo (50% DSR)
Upfront cash ≈ HK$27.36M (deposit + AVD stamp duty HK$2,143,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,926
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$131,357
−HK$3,480/mo
Today · 4.125%
HK$134,837
baseline
▲ 0.50% · 4.625%
HK$141,945
+HK$7,108/mo
Deposit HK$25.21M · loan HK$25.21M · min. income ≈ HK$269,674/mo (50% DSR)
Upfront cash ≈ HK$27.36M (deposit + AVD stamp duty HK$2,143,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,989
−HK$8,653/mo
▼ 0.25% · 3.875%
HK$142,281
−HK$4,361/mo
Today · 4.125%
HK$146,642
baseline
▲ 0.50% · 4.625%
HK$155,565
+HK$8,923/mo
Deposit HK$20.17M · loan HK$30.26M · min. income ≈ HK$293,284/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$2,143,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,511
−HK$8,294/mo
▼ 0.25% · 3.875%
HK$157,628
−HK$4,177/mo
Today · 4.125%
HK$161,805
baseline
▲ 0.50% · 4.625%
HK$170,334
+HK$8,529/mo
Deposit HK$20.17M · loan HK$30.26M · min. income ≈ HK$323,610/mo (50% DSR)
Upfront cash ≈ HK$22.31M (deposit + AVD stamp duty HK$2,143,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,987
−HK$10,095/mo
▼ 0.25% · 3.875%
HK$165,994
−HK$5,088/mo
Today · 4.125%
HK$171,082
baseline
▲ 0.50% · 4.625%
HK$181,492
+HK$10,410/mo
Deposit HK$15.13M · loan HK$35.30M · min. income ≈ HK$342,164/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$2,143,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,096
−HK$9,676/mo
▼ 0.25% · 3.875%
HK$183,899
−HK$4,873/mo
Today · 4.125%
HK$188,772
baseline
▲ 0.50% · 4.625%
HK$198,723
+HK$9,951/mo
Deposit HK$15.13M · loan HK$35.30M · min. income ≈ HK$377,544/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$2,143,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$206,983
−HK$12,980/mo
▼ 0.25% · 3.875%
HK$213,421
−HK$6,542/mo
Today · 4.125%
HK$219,963
baseline
▲ 0.50% · 4.625%
HK$233,347
+HK$13,384/mo
Deposit HK$5.04M · loan HK$45.39M · min. income ≈ HK$439,926/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$2,143,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$230,266
−HK$12,441/mo
▼ 0.25% · 3.875%
HK$236,442
−HK$6,265/mo
Today · 4.125%
HK$242,707
baseline
▲ 0.50% · 4.625%
HK$255,500
+HK$12,793/mo
Deposit HK$5.04M · loan HK$45.39M · min. income ≈ HK$485,414/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$2,143,223 · Scale 2, in force from 26 Feb 2026)