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$125,227
−HK$7,853/mo
▼ 0.25% · 3.875%
HK$129,122
−HK$3,958/mo
Today · 4.125%
HK$133,080
baseline
▲ 0.50% · 4.625%
HK$141,177
+HK$8,097/mo
Deposit HK$27.46M · loan HK$27.46M · min. income ≈ HK$266,160/mo (50% DSR)
Upfront cash ≈ HK$29.79M (deposit + AVD stamp duty HK$2,334,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,314
−HK$7,526/mo
▼ 0.25% · 3.875%
HK$143,050
−HK$3,790/mo
Today · 4.125%
HK$146,840
baseline
▲ 0.50% · 4.625%
HK$154,580
+HK$7,740/mo
Deposit HK$27.46M · loan HK$27.46M · min. income ≈ HK$293,680/mo (50% DSR)
Upfront cash ≈ HK$29.79M (deposit + AVD stamp duty HK$2,334,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,272
−HK$9,424/mo
▼ 0.25% · 3.875%
HK$154,946
−HK$4,750/mo
Today · 4.125%
HK$159,696
baseline
▲ 0.50% · 4.625%
HK$169,413
+HK$9,717/mo
Deposit HK$21.97M · loan HK$32.95M · min. income ≈ HK$319,392/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$2,334,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,176
−HK$9,032/mo
▼ 0.25% · 3.875%
HK$171,660
−HK$4,548/mo
Today · 4.125%
HK$176,208
baseline
▲ 0.50% · 4.625%
HK$185,496
+HK$9,288/mo
Deposit HK$21.97M · loan HK$32.95M · min. income ≈ HK$352,416/mo (50% DSR)
Upfront cash ≈ HK$24.30M (deposit + AVD stamp duty HK$2,334,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,317
−HK$10,994/mo
▼ 0.25% · 3.875%
HK$180,771
−HK$5,540/mo
Today · 4.125%
HK$186,311
baseline
▲ 0.50% · 4.625%
HK$197,648
+HK$11,337/mo
Deposit HK$16.48M · loan HK$38.44M · min. income ≈ HK$372,622/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$2,334,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,039
−HK$10,537/mo
▼ 0.25% · 3.875%
HK$200,270
−HK$5,306/mo
Today · 4.125%
HK$205,576
baseline
▲ 0.50% · 4.625%
HK$216,413
+HK$10,837/mo
Deposit HK$16.48M · loan HK$38.44M · min. income ≈ HK$411,152/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$2,334,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$225,408
−HK$14,135/mo
▼ 0.25% · 3.875%
HK$232,420
−HK$7,123/mo
Today · 4.125%
HK$239,543
baseline
▲ 0.50% · 4.625%
HK$254,119
+HK$14,576/mo
Deposit HK$5.49M · loan HK$49.43M · min. income ≈ HK$479,086/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,334,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$250,764
−HK$13,548/mo
▼ 0.25% · 3.875%
HK$257,490
−HK$6,822/mo
Today · 4.125%
HK$264,312
baseline
▲ 0.50% · 4.625%
HK$278,245
+HK$13,933/mo
Deposit HK$5.49M · loan HK$49.43M · min. income ≈ HK$528,624/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$2,334,009 · Scale 2, in force from 26 Feb 2026)