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$120,401
−HK$7,550/mo
▼ 0.25% · 3.875%
HK$124,146
−HK$3,805/mo
Today · 4.125%
HK$127,951
baseline
▲ 0.50% · 4.625%
HK$135,737
+HK$7,786/mo
Deposit HK$26.40M · loan HK$26.40M · min. income ≈ HK$255,902/mo (50% DSR)
Upfront cash ≈ HK$28.64M (deposit + AVD stamp duty HK$2,244,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,945
−HK$7,237/mo
▼ 0.25% · 3.875%
HK$137,537
−HK$3,645/mo
Today · 4.125%
HK$141,182
baseline
▲ 0.50% · 4.625%
HK$148,624
+HK$7,442/mo
Deposit HK$26.40M · loan HK$26.40M · min. income ≈ HK$282,364/mo (50% DSR)
Upfront cash ≈ HK$28.64M (deposit + AVD stamp duty HK$2,244,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,481
−HK$9,061/mo
▼ 0.25% · 3.875%
HK$148,976
−HK$4,566/mo
Today · 4.125%
HK$153,542
baseline
▲ 0.50% · 4.625%
HK$162,884
+HK$9,342/mo
Deposit HK$21.12M · loan HK$31.68M · min. income ≈ HK$307,084/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$2,244,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,734
−HK$8,684/mo
▼ 0.25% · 3.875%
HK$165,045
−HK$4,373/mo
Today · 4.125%
HK$169,418
baseline
▲ 0.50% · 4.625%
HK$178,348
+HK$8,930/mo
Deposit HK$21.12M · loan HK$31.68M · min. income ≈ HK$338,836/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$2,244,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,562
−HK$10,570/mo
▼ 0.25% · 3.875%
HK$173,805
−HK$5,327/mo
Today · 4.125%
HK$179,132
baseline
▲ 0.50% · 4.625%
HK$190,032
+HK$10,900/mo
Deposit HK$15.84M · loan HK$36.96M · min. income ≈ HK$358,264/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$2,244,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,523
−HK$10,131/mo
▼ 0.25% · 3.875%
HK$192,552
−HK$5,102/mo
Today · 4.125%
HK$197,654
baseline
▲ 0.50% · 4.625%
HK$208,073
+HK$10,419/mo
Deposit HK$15.84M · loan HK$36.96M · min. income ≈ HK$395,308/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$2,244,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,722
−HK$13,590/mo
▼ 0.25% · 3.875%
HK$223,463
−HK$6,849/mo
Today · 4.125%
HK$230,312
baseline
▲ 0.50% · 4.625%
HK$244,326
+HK$14,014/mo
Deposit HK$5.28M · loan HK$47.52M · min. income ≈ HK$460,624/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,244,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,101
−HK$13,026/mo
▼ 0.25% · 3.875%
HK$247,567
−HK$6,560/mo
Today · 4.125%
HK$254,127
baseline
▲ 0.50% · 4.625%
HK$267,522
+HK$13,395/mo
Deposit HK$5.28M · loan HK$47.52M · min. income ≈ HK$508,254/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,244,067 · Scale 2, in force from 26 Feb 2026)