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$131,197
−HK$8,228/mo
▼ 0.25% · 3.875%
HK$135,278
−HK$4,147/mo
Today · 4.125%
HK$139,425
baseline
▲ 0.50% · 4.625%
HK$147,908
+HK$8,483/mo
Deposit HK$28.77M · loan HK$28.77M · min. income ≈ HK$278,850/mo (50% DSR)
Upfront cash ≈ HK$31.21M (deposit + AVD stamp duty HK$2,445,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,956
−HK$7,885/mo
▼ 0.25% · 3.875%
HK$149,870
−HK$3,971/mo
Today · 4.125%
HK$153,841
baseline
▲ 0.50% · 4.625%
HK$161,950
+HK$8,109/mo
Deposit HK$28.77M · loan HK$28.77M · min. income ≈ HK$307,682/mo (50% DSR)
Upfront cash ≈ HK$31.21M (deposit + AVD stamp duty HK$2,445,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,437
−HK$9,872/mo
▼ 0.25% · 3.875%
HK$162,334
−HK$4,975/mo
Today · 4.125%
HK$167,309
baseline
▲ 0.50% · 4.625%
HK$177,490
+HK$10,181/mo
Deposit HK$23.01M · loan HK$34.52M · min. income ≈ HK$334,618/mo (50% DSR)
Upfront cash ≈ HK$25.46M (deposit + AVD stamp duty HK$2,445,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,147
−HK$9,463/mo
▼ 0.25% · 3.875%
HK$179,844
−HK$4,766/mo
Today · 4.125%
HK$184,610
baseline
▲ 0.50% · 4.625%
HK$194,341
+HK$9,731/mo
Deposit HK$23.01M · loan HK$34.52M · min. income ≈ HK$369,220/mo (50% DSR)
Upfront cash ≈ HK$25.46M (deposit + AVD stamp duty HK$2,445,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,676
−HK$11,518/mo
▼ 0.25% · 3.875%
HK$189,390
−HK$5,804/mo
Today · 4.125%
HK$195,194
baseline
▲ 0.50% · 4.625%
HK$207,072
+HK$11,878/mo
Deposit HK$17.26M · loan HK$40.28M · min. income ≈ HK$390,388/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$2,445,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,338
−HK$11,040/mo
▼ 0.25% · 3.875%
HK$209,818
−HK$5,560/mo
Today · 4.125%
HK$215,378
baseline
▲ 0.50% · 4.625%
HK$226,731
+HK$11,353/mo
Deposit HK$17.26M · loan HK$40.28M · min. income ≈ HK$430,756/mo (50% DSR)
Upfront cash ≈ HK$19.71M (deposit + AVD stamp duty HK$2,445,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,155
−HK$14,809/mo
▼ 0.25% · 3.875%
HK$243,501
−HK$7,463/mo
Today · 4.125%
HK$250,964
baseline
▲ 0.50% · 4.625%
HK$266,235
+HK$15,271/mo
Deposit HK$5.75M · loan HK$51.78M · min. income ≈ HK$501,928/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$2,445,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,720
−HK$14,194/mo
▼ 0.25% · 3.875%
HK$269,766
−HK$7,148/mo
Today · 4.125%
HK$276,914
baseline
▲ 0.50% · 4.625%
HK$291,511
+HK$14,597/mo
Deposit HK$5.75M · loan HK$51.78M · min. income ≈ HK$553,828/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$2,445,290 · Scale 2, in force from 26 Feb 2026)