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$121,567
−HK$7,624/mo
▼ 0.25% · 3.875%
HK$125,349
−HK$3,842/mo
Today · 4.125%
HK$129,191
baseline
▲ 0.50% · 4.625%
HK$137,052
+HK$7,861/mo
Deposit HK$26.66M · loan HK$26.66M · min. income ≈ HK$258,382/mo (50% DSR)
Upfront cash ≈ HK$28.92M (deposit + AVD stamp duty HK$2,265,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,242
−HK$7,307/mo
▼ 0.25% · 3.875%
HK$138,870
−HK$3,679/mo
Today · 4.125%
HK$142,549
baseline
▲ 0.50% · 4.625%
HK$150,063
+HK$7,514/mo
Deposit HK$26.66M · loan HK$26.66M · min. income ≈ HK$285,098/mo (50% DSR)
Upfront cash ≈ HK$28.92M (deposit + AVD stamp duty HK$2,265,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,881
−HK$9,148/mo
▼ 0.25% · 3.875%
HK$150,419
−HK$4,610/mo
Today · 4.125%
HK$155,029
baseline
▲ 0.50% · 4.625%
HK$164,462
+HK$9,433/mo
Deposit HK$21.33M · loan HK$31.99M · min. income ≈ HK$310,058/mo (50% DSR)
Upfront cash ≈ HK$23.59M (deposit + AVD stamp duty HK$2,265,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,291
−HK$8,768/mo
▼ 0.25% · 3.875%
HK$166,644
−HK$4,415/mo
Today · 4.125%
HK$171,059
baseline
▲ 0.50% · 4.625%
HK$180,076
+HK$9,017/mo
Deposit HK$21.33M · loan HK$31.99M · min. income ≈ HK$342,118/mo (50% DSR)
Upfront cash ≈ HK$23.59M (deposit + AVD stamp duty HK$2,265,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,194
−HK$10,673/mo
▼ 0.25% · 3.875%
HK$175,488
−HK$5,379/mo
Today · 4.125%
HK$180,867
baseline
▲ 0.50% · 4.625%
HK$191,872
+HK$11,005/mo
Deposit HK$15.99M · loan HK$37.32M · min. income ≈ HK$361,734/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$2,265,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,339
−HK$10,230/mo
▼ 0.25% · 3.875%
HK$194,417
−HK$5,152/mo
Today · 4.125%
HK$199,569
baseline
▲ 0.50% · 4.625%
HK$210,088
+HK$10,519/mo
Deposit HK$15.99M · loan HK$37.32M · min. income ≈ HK$399,138/mo (50% DSR)
Upfront cash ≈ HK$18.26M (deposit + AVD stamp duty HK$2,265,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,821
−HK$13,722/mo
▼ 0.25% · 3.875%
HK$225,628
−HK$6,915/mo
Today · 4.125%
HK$232,543
baseline
▲ 0.50% · 4.625%
HK$246,693
+HK$14,150/mo
Deposit HK$5.33M · loan HK$47.98M · min. income ≈ HK$465,086/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$2,265,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,436
−HK$13,153/mo
▼ 0.25% · 3.875%
HK$249,965
−HK$6,624/mo
Today · 4.125%
HK$256,589
baseline
▲ 0.50% · 4.625%
HK$270,114
+HK$13,525/mo
Deposit HK$5.33M · loan HK$47.98M · min. income ≈ HK$513,178/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$2,265,804 · Scale 2, in force from 26 Feb 2026)