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$110,387
−HK$6,923/mo
▼ 0.25% · 3.875%
HK$113,821
−HK$3,489/mo
Today · 4.125%
HK$117,310
baseline
▲ 0.50% · 4.625%
HK$124,448
+HK$7,138/mo
Deposit HK$24.21M · loan HK$24.21M · min. income ≈ HK$234,620/mo (50% DSR)
Upfront cash ≈ HK$26.26M (deposit + AVD stamp duty HK$2,057,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,805
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$126,098
−HK$3,342/mo
Today · 4.125%
HK$129,440
baseline
▲ 0.50% · 4.625%
HK$136,263
+HK$6,823/mo
Deposit HK$24.21M · loan HK$24.21M · min. income ≈ HK$258,880/mo (50% DSR)
Upfront cash ≈ HK$26.26M (deposit + AVD stamp duty HK$2,057,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,465
−HK$8,307/mo
▼ 0.25% · 3.875%
HK$136,585
−HK$4,187/mo
Today · 4.125%
HK$140,772
baseline
▲ 0.50% · 4.625%
HK$149,337
+HK$8,565/mo
Deposit HK$19.36M · loan HK$29.05M · min. income ≈ HK$281,544/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$2,057,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,366
−HK$7,962/mo
▼ 0.25% · 3.875%
HK$151,318
−HK$4,010/mo
Today · 4.125%
HK$155,328
baseline
▲ 0.50% · 4.625%
HK$163,515
+HK$8,187/mo
Deposit HK$19.36M · loan HK$29.05M · min. income ≈ HK$310,656/mo (50% DSR)
Upfront cash ≈ HK$21.42M (deposit + AVD stamp duty HK$2,057,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,542
−HK$9,692/mo
▼ 0.25% · 3.875%
HK$159,350
−HK$4,884/mo
Today · 4.125%
HK$164,234
baseline
▲ 0.50% · 4.625%
HK$174,227
+HK$9,993/mo
Deposit HK$14.52M · loan HK$33.89M · min. income ≈ HK$328,468/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$2,057,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,927
−HK$9,288/mo
▼ 0.25% · 3.875%
HK$176,538
−HK$4,677/mo
Today · 4.125%
HK$181,215
baseline
▲ 0.50% · 4.625%
HK$190,768
+HK$9,553/mo
Deposit HK$14.52M · loan HK$33.89M · min. income ≈ HK$362,430/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$2,057,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,697
−HK$12,460/mo
▼ 0.25% · 3.875%
HK$204,878
−HK$6,279/mo
Today · 4.125%
HK$211,157
baseline
▲ 0.50% · 4.625%
HK$224,006
+HK$12,849/mo
Deposit HK$4.84M · loan HK$43.57M · min. income ≈ HK$422,314/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$2,057,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,049
−HK$11,942/mo
▼ 0.25% · 3.875%
HK$226,977
−HK$6,014/mo
Today · 4.125%
HK$232,991
baseline
▲ 0.50% · 4.625%
HK$245,273
+HK$12,282/mo
Deposit HK$4.84M · loan HK$43.57M · min. income ≈ HK$465,982/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$2,057,429 · Scale 2, in force from 26 Feb 2026)