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$111,338
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$114,801
−HK$3,519/mo
Today · 4.125%
HK$118,320
baseline
▲ 0.50% · 4.625%
HK$125,519
+HK$7,199/mo
Deposit HK$24.41M · loan HK$24.41M · min. income ≈ HK$236,640/mo (50% DSR)
Upfront cash ≈ HK$26.49M (deposit + AVD stamp duty HK$2,075,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,862
−HK$6,692/mo
▼ 0.25% · 3.875%
HK$127,184
−HK$3,370/mo
Today · 4.125%
HK$130,554
baseline
▲ 0.50% · 4.625%
HK$137,436
+HK$6,882/mo
Deposit HK$24.41M · loan HK$24.41M · min. income ≈ HK$261,108/mo (50% DSR)
Upfront cash ≈ HK$26.49M (deposit + AVD stamp duty HK$2,075,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,605
−HK$8,378/mo
▼ 0.25% · 3.875%
HK$137,761
−HK$4,222/mo
Today · 4.125%
HK$141,983
baseline
▲ 0.50% · 4.625%
HK$150,623
+HK$8,640/mo
Deposit HK$19.53M · loan HK$29.30M · min. income ≈ HK$283,966/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$2,075,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,635
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$152,621
−HK$4,044/mo
Today · 4.125%
HK$156,665
baseline
▲ 0.50% · 4.625%
HK$164,923
+HK$8,258/mo
Deposit HK$19.53M · loan HK$29.30M · min. income ≈ HK$313,330/mo (50% DSR)
Upfront cash ≈ HK$21.61M (deposit + AVD stamp duty HK$2,075,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,873
−HK$9,774/mo
▼ 0.25% · 3.875%
HK$160,721
−HK$4,926/mo
Today · 4.125%
HK$165,647
baseline
▲ 0.50% · 4.625%
HK$175,727
+HK$10,080/mo
Deposit HK$14.65M · loan HK$34.18M · min. income ≈ HK$331,294/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$2,075,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,407
−HK$9,369/mo
▼ 0.25% · 3.875%
HK$178,058
−HK$4,718/mo
Today · 4.125%
HK$182,776
baseline
▲ 0.50% · 4.625%
HK$192,410
+HK$9,634/mo
Deposit HK$14.65M · loan HK$34.18M · min. income ≈ HK$365,552/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$2,075,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$200,408
−HK$12,567/mo
▼ 0.25% · 3.875%
HK$206,642
−HK$6,333/mo
Today · 4.125%
HK$212,975
baseline
▲ 0.50% · 4.625%
HK$225,934
+HK$12,959/mo
Deposit HK$4.88M · loan HK$43.94M · min. income ≈ HK$425,950/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$2,075,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,952
−HK$12,045/mo
▼ 0.25% · 3.875%
HK$228,931
−HK$6,066/mo
Today · 4.125%
HK$234,997
baseline
▲ 0.50% · 4.625%
HK$247,384
+HK$12,387/mo
Deposit HK$4.88M · loan HK$43.94M · min. income ≈ HK$469,994/mo (50% DSR)
Upfront cash ≈ HK$6.96M (deposit + AVD stamp duty HK$2,075,141 · Scale 2, in force from 26 Feb 2026)