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$113,651
−HK$7,127/mo
▼ 0.25% · 3.875%
HK$117,186
−HK$3,592/mo
Today · 4.125%
HK$120,778
baseline
▲ 0.50% · 4.625%
HK$128,127
+HK$7,349/mo
Deposit HK$24.92M · loan HK$24.92M · min. income ≈ HK$241,556/mo (50% DSR)
Upfront cash ≈ HK$27.04M (deposit + AVD stamp duty HK$2,118,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,436
−HK$6,831/mo
▼ 0.25% · 3.875%
HK$129,827
−HK$3,440/mo
Today · 4.125%
HK$133,267
baseline
▲ 0.50% · 4.625%
HK$140,291
+HK$7,024/mo
Deposit HK$24.92M · loan HK$24.92M · min. income ≈ HK$266,534/mo (50% DSR)
Upfront cash ≈ HK$27.04M (deposit + AVD stamp duty HK$2,118,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,381
−HK$8,553/mo
▼ 0.25% · 3.875%
HK$140,624
−HK$4,310/mo
Today · 4.125%
HK$144,934
baseline
▲ 0.50% · 4.625%
HK$153,753
+HK$8,819/mo
Deposit HK$19.94M · loan HK$29.90M · min. income ≈ HK$289,868/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$2,118,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,723
−HK$8,197/mo
▼ 0.25% · 3.875%
HK$155,792
−HK$4,128/mo
Today · 4.125%
HK$159,920
baseline
▲ 0.50% · 4.625%
HK$168,350
+HK$8,430/mo
Deposit HK$19.94M · loan HK$29.90M · min. income ≈ HK$319,840/mo (50% DSR)
Upfront cash ≈ HK$22.05M (deposit + AVD stamp duty HK$2,118,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,112
−HK$9,977/mo
▼ 0.25% · 3.875%
HK$164,061
−HK$5,028/mo
Today · 4.125%
HK$169,089
baseline
▲ 0.50% · 4.625%
HK$179,378
+HK$10,289/mo
Deposit HK$14.95M · loan HK$34.89M · min. income ≈ HK$338,178/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$2,118,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,010
−HK$9,563/mo
▼ 0.25% · 3.875%
HK$181,757
−HK$4,816/mo
Today · 4.125%
HK$186,573
baseline
▲ 0.50% · 4.625%
HK$196,408
+HK$9,835/mo
Deposit HK$14.95M · loan HK$34.89M · min. income ≈ HK$373,146/mo (50% DSR)
Upfront cash ≈ HK$17.07M (deposit + AVD stamp duty HK$2,118,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,572
−HK$12,829/mo
▼ 0.25% · 3.875%
HK$210,936
−HK$6,465/mo
Today · 4.125%
HK$217,401
baseline
▲ 0.50% · 4.625%
HK$230,629
+HK$13,228/mo
Deposit HK$4.98M · loan HK$44.86M · min. income ≈ HK$434,802/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$2,118,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,584
−HK$12,296/mo
▼ 0.25% · 3.875%
HK$233,688
−HK$6,192/mo
Today · 4.125%
HK$239,880
baseline
▲ 0.50% · 4.625%
HK$252,525
+HK$12,645/mo
Deposit HK$4.98M · loan HK$44.86M · min. income ≈ HK$479,760/mo (50% DSR)
Upfront cash ≈ HK$7.10M (deposit + AVD stamp duty HK$2,118,260 · Scale 2, in force from 26 Feb 2026)