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$116,994
−HK$7,337/mo
▼ 0.25% · 3.875%
HK$120,633
−HK$3,698/mo
Today · 4.125%
HK$124,331
baseline
▲ 0.50% · 4.625%
HK$131,896
+HK$7,565/mo
Deposit HK$25.65M · loan HK$25.65M · min. income ≈ HK$248,662/mo (50% DSR)
Upfront cash ≈ HK$27.83M (deposit + AVD stamp duty HK$2,180,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,155
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$133,645
−HK$3,542/mo
Today · 4.125%
HK$137,187
baseline
▲ 0.50% · 4.625%
HK$144,418
+HK$7,231/mo
Deposit HK$25.65M · loan HK$25.65M · min. income ≈ HK$274,374/mo (50% DSR)
Upfront cash ≈ HK$27.83M (deposit + AVD stamp duty HK$2,180,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,393
−HK$8,804/mo
▼ 0.25% · 3.875%
HK$144,760
−HK$4,437/mo
Today · 4.125%
HK$149,197
baseline
▲ 0.50% · 4.625%
HK$158,275
+HK$9,078/mo
Deposit HK$20.52M · loan HK$30.78M · min. income ≈ HK$298,394/mo (50% DSR)
Upfront cash ≈ HK$22.70M (deposit + AVD stamp duty HK$2,180,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,186
−HK$8,438/mo
▼ 0.25% · 3.875%
HK$160,374
−HK$4,250/mo
Today · 4.125%
HK$164,624
baseline
▲ 0.50% · 4.625%
HK$173,301
+HK$8,677/mo
Deposit HK$20.52M · loan HK$30.78M · min. income ≈ HK$329,248/mo (50% DSR)
Upfront cash ≈ HK$22.70M (deposit + AVD stamp duty HK$2,180,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,792
−HK$10,271/mo
▼ 0.25% · 3.875%
HK$168,886
−HK$5,177/mo
Today · 4.125%
HK$174,063
baseline
▲ 0.50% · 4.625%
HK$184,654
+HK$10,591/mo
Deposit HK$15.39M · loan HK$35.92M · min. income ≈ HK$348,126/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$2,180,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,217
−HK$9,844/mo
▼ 0.25% · 3.875%
HK$187,104
−HK$4,957/mo
Today · 4.125%
HK$192,061
baseline
▲ 0.50% · 4.625%
HK$202,185
+HK$10,124/mo
Deposit HK$15.39M · loan HK$35.92M · min. income ≈ HK$384,122/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$2,180,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,589
−HK$13,206/mo
▼ 0.25% · 3.875%
HK$217,140
−HK$6,655/mo
Today · 4.125%
HK$223,795
baseline
▲ 0.50% · 4.625%
HK$237,412
+HK$13,617/mo
Deposit HK$5.13M · loan HK$46.18M · min. income ≈ HK$447,590/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,180,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$234,278
−HK$12,658/mo
▼ 0.25% · 3.875%
HK$240,562
−HK$6,374/mo
Today · 4.125%
HK$246,936
baseline
▲ 0.50% · 4.625%
HK$259,952
+HK$13,016/mo
Deposit HK$5.13M · loan HK$46.18M · min. income ≈ HK$493,872/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$2,180,565 · Scale 2, in force from 26 Feb 2026)