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$117,263
−HK$7,353/mo
▼ 0.25% · 3.875%
HK$120,910
−HK$3,706/mo
Today · 4.125%
HK$124,616
baseline
▲ 0.50% · 4.625%
HK$132,199
+HK$7,583/mo
Deposit HK$25.71M · loan HK$25.71M · min. income ≈ HK$249,232/mo (50% DSR)
Upfront cash ≈ HK$27.90M (deposit + AVD stamp duty HK$2,185,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,453
−HK$7,048/mo
▼ 0.25% · 3.875%
HK$133,952
−HK$3,549/mo
Today · 4.125%
HK$137,501
baseline
▲ 0.50% · 4.625%
HK$144,749
+HK$7,248/mo
Deposit HK$25.71M · loan HK$25.71M · min. income ≈ HK$275,002/mo (50% DSR)
Upfront cash ≈ HK$27.90M (deposit + AVD stamp duty HK$2,185,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,715
−HK$8,824/mo
▼ 0.25% · 3.875%
HK$145,092
−HK$4,447/mo
Today · 4.125%
HK$149,539
baseline
▲ 0.50% · 4.625%
HK$158,638
+HK$9,099/mo
Deposit HK$20.57M · loan HK$30.86M · min. income ≈ HK$299,078/mo (50% DSR)
Upfront cash ≈ HK$22.76M (deposit + AVD stamp duty HK$2,185,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,544
−HK$8,458/mo
▼ 0.25% · 3.875%
HK$160,743
−HK$4,259/mo
Today · 4.125%
HK$165,002
baseline
▲ 0.50% · 4.625%
HK$173,699
+HK$8,697/mo
Deposit HK$20.57M · loan HK$30.86M · min. income ≈ HK$330,004/mo (50% DSR)
Upfront cash ≈ HK$22.76M (deposit + AVD stamp duty HK$2,185,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,168
−HK$10,294/mo
▼ 0.25% · 3.875%
HK$169,274
−HK$5,188/mo
Today · 4.125%
HK$174,462
baseline
▲ 0.50% · 4.625%
HK$185,078
+HK$10,616/mo
Deposit HK$15.43M · loan HK$36.00M · min. income ≈ HK$348,924/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$2,185,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,635
−HK$9,867/mo
▼ 0.25% · 3.875%
HK$187,533
−HK$4,969/mo
Today · 4.125%
HK$192,502
baseline
▲ 0.50% · 4.625%
HK$202,649
+HK$10,147/mo
Deposit HK$15.43M · loan HK$36.00M · min. income ≈ HK$385,004/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$2,185,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$211,073
−HK$13,236/mo
▼ 0.25% · 3.875%
HK$217,638
−HK$6,671/mo
Today · 4.125%
HK$224,309
baseline
▲ 0.50% · 4.625%
HK$237,957
+HK$13,648/mo
Deposit HK$5.14M · loan HK$46.28M · min. income ≈ HK$448,618/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$2,185,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,816
−HK$12,687/mo
▼ 0.25% · 3.875%
HK$241,114
−HK$6,389/mo
Today · 4.125%
HK$247,503
baseline
▲ 0.50% · 4.625%
HK$260,549
+HK$13,046/mo
Deposit HK$5.14M · loan HK$46.28M · min. income ≈ HK$495,006/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$2,185,571 · Scale 2, in force from 26 Feb 2026)