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$113,036
−HK$7,088/mo
▼ 0.25% · 3.875%
HK$116,552
−HK$3,572/mo
Today · 4.125%
HK$120,124
baseline
▲ 0.50% · 4.625%
HK$127,433
+HK$7,309/mo
Deposit HK$24.79M · loan HK$24.79M · min. income ≈ HK$240,248/mo (50% DSR)
Upfront cash ≈ HK$26.89M (deposit + AVD stamp duty HK$2,106,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,751
−HK$6,794/mo
▼ 0.25% · 3.875%
HK$129,123
−HK$3,422/mo
Today · 4.125%
HK$132,545
baseline
▲ 0.50% · 4.625%
HK$139,531
+HK$6,986/mo
Deposit HK$24.79M · loan HK$24.79M · min. income ≈ HK$265,090/mo (50% DSR)
Upfront cash ≈ HK$26.89M (deposit + AVD stamp duty HK$2,106,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,643
−HK$8,506/mo
▼ 0.25% · 3.875%
HK$139,862
−HK$4,287/mo
Today · 4.125%
HK$144,149
baseline
▲ 0.50% · 4.625%
HK$152,920
+HK$8,771/mo
Deposit HK$19.83M · loan HK$29.74M · min. income ≈ HK$288,298/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$2,106,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,901
−HK$8,153/mo
▼ 0.25% · 3.875%
HK$154,948
−HK$4,106/mo
Today · 4.125%
HK$159,054
baseline
▲ 0.50% · 4.625%
HK$167,438
+HK$8,384/mo
Deposit HK$19.83M · loan HK$29.74M · min. income ≈ HK$318,108/mo (50% DSR)
Upfront cash ≈ HK$21.94M (deposit + AVD stamp duty HK$2,106,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,250
−HK$9,923/mo
▼ 0.25% · 3.875%
HK$163,172
−HK$5,001/mo
Today · 4.125%
HK$168,173
baseline
▲ 0.50% · 4.625%
HK$178,406
+HK$10,233/mo
Deposit HK$14.87M · loan HK$34.70M · min. income ≈ HK$336,346/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$2,106,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,051
−HK$9,512/mo
▼ 0.25% · 3.875%
HK$180,773
−HK$4,790/mo
Today · 4.125%
HK$185,563
baseline
▲ 0.50% · 4.625%
HK$195,344
+HK$9,781/mo
Deposit HK$14.87M · loan HK$34.70M · min. income ≈ HK$371,126/mo (50% DSR)
Upfront cash ≈ HK$16.98M (deposit + AVD stamp duty HK$2,106,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,464
−HK$12,759/mo
▼ 0.25% · 3.875%
HK$209,793
−HK$6,430/mo
Today · 4.125%
HK$216,223
baseline
▲ 0.50% · 4.625%
HK$229,380
+HK$13,157/mo
Deposit HK$4.96M · loan HK$44.61M · min. income ≈ HK$432,446/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,106,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,352
−HK$12,229/mo
▼ 0.25% · 3.875%
HK$232,422
−HK$6,159/mo
Today · 4.125%
HK$238,581
baseline
▲ 0.50% · 4.625%
HK$251,157
+HK$12,576/mo
Deposit HK$4.96M · loan HK$44.61M · min. income ≈ HK$477,162/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,106,786 · Scale 2, in force from 26 Feb 2026)