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$112,287
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$115,780
−HK$3,548/mo
Today · 4.125%
HK$119,328
baseline
▲ 0.50% · 4.625%
HK$126,589
+HK$7,261/mo
Deposit HK$24.62M · loan HK$24.62M · min. income ≈ HK$238,656/mo (50% DSR)
Upfront cash ≈ HK$26.71M (deposit + AVD stamp duty HK$2,092,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,918
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$128,268
−HK$3,399/mo
Today · 4.125%
HK$131,667
baseline
▲ 0.50% · 4.625%
HK$138,607
+HK$6,940/mo
Deposit HK$24.62M · loan HK$24.62M · min. income ≈ HK$263,334/mo (50% DSR)
Upfront cash ≈ HK$26.71M (deposit + AVD stamp duty HK$2,092,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,744
−HK$8,450/mo
▼ 0.25% · 3.875%
HK$138,936
−HK$4,258/mo
Today · 4.125%
HK$143,194
baseline
▲ 0.50% · 4.625%
HK$151,907
+HK$8,713/mo
Deposit HK$19.70M · loan HK$29.55M · min. income ≈ HK$286,388/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$2,092,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,902
−HK$8,098/mo
▼ 0.25% · 3.875%
HK$153,922
−HK$4,078/mo
Today · 4.125%
HK$158,000
baseline
▲ 0.50% · 4.625%
HK$166,329
+HK$8,329/mo
Deposit HK$19.70M · loan HK$29.55M · min. income ≈ HK$316,000/mo (50% DSR)
Upfront cash ≈ HK$21.79M (deposit + AVD stamp duty HK$2,092,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,202
−HK$9,858/mo
▼ 0.25% · 3.875%
HK$162,092
−HK$4,968/mo
Today · 4.125%
HK$167,060
baseline
▲ 0.50% · 4.625%
HK$177,225
+HK$10,165/mo
Deposit HK$14.77M · loan HK$34.47M · min. income ≈ HK$334,120/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$2,092,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,885
−HK$9,449/mo
▼ 0.25% · 3.875%
HK$179,576
−HK$4,758/mo
Today · 4.125%
HK$184,334
baseline
▲ 0.50% · 4.625%
HK$194,050
+HK$9,716/mo
Deposit HK$14.77M · loan HK$34.47M · min. income ≈ HK$368,668/mo (50% DSR)
Upfront cash ≈ HK$16.87M (deposit + AVD stamp duty HK$2,092,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,116
−HK$12,675/mo
▼ 0.25% · 3.875%
HK$208,403
−HK$6,388/mo
Today · 4.125%
HK$214,791
baseline
▲ 0.50% · 4.625%
HK$227,860
+HK$13,069/mo
Deposit HK$4.92M · loan HK$44.32M · min. income ≈ HK$429,582/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$2,092,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,853
−HK$12,148/mo
▼ 0.25% · 3.875%
HK$230,883
−HK$6,118/mo
Today · 4.125%
HK$237,001
baseline
▲ 0.50% · 4.625%
HK$249,493
+HK$12,492/mo
Deposit HK$4.92M · loan HK$44.32M · min. income ≈ HK$474,002/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$2,092,833 · Scale 2, in force from 26 Feb 2026)