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$124,128
−HK$7,784/mo
▼ 0.25% · 3.875%
HK$127,989
−HK$3,923/mo
Today · 4.125%
HK$131,912
baseline
▲ 0.50% · 4.625%
HK$139,939
+HK$8,027/mo
Deposit HK$27.22M · loan HK$27.22M · min. income ≈ HK$263,824/mo (50% DSR)
Upfront cash ≈ HK$29.53M (deposit + AVD stamp duty HK$2,313,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,091
−HK$7,461/mo
▼ 0.25% · 3.875%
HK$141,795
−HK$3,757/mo
Today · 4.125%
HK$145,552
baseline
▲ 0.50% · 4.625%
HK$153,224
+HK$7,672/mo
Deposit HK$27.22M · loan HK$27.22M · min. income ≈ HK$291,104/mo (50% DSR)
Upfront cash ≈ HK$29.53M (deposit + AVD stamp duty HK$2,313,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,954
−HK$9,341/mo
▼ 0.25% · 3.875%
HK$153,587
−HK$4,708/mo
Today · 4.125%
HK$158,295
baseline
▲ 0.50% · 4.625%
HK$167,927
+HK$9,632/mo
Deposit HK$21.77M · loan HK$32.66M · min. income ≈ HK$316,590/mo (50% DSR)
Upfront cash ≈ HK$24.09M (deposit + AVD stamp duty HK$2,313,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,710
−HK$8,953/mo
▼ 0.25% · 3.875%
HK$170,154
−HK$4,509/mo
Today · 4.125%
HK$174,663
baseline
▲ 0.50% · 4.625%
HK$183,869
+HK$9,206/mo
Deposit HK$21.77M · loan HK$32.66M · min. income ≈ HK$349,326/mo (50% DSR)
Upfront cash ≈ HK$24.09M (deposit + AVD stamp duty HK$2,313,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,780
−HK$10,897/mo
▼ 0.25% · 3.875%
HK$179,185
−HK$5,492/mo
Today · 4.125%
HK$184,677
baseline
▲ 0.50% · 4.625%
HK$195,914
+HK$11,237/mo
Deposit HK$16.33M · loan HK$38.11M · min. income ≈ HK$369,354/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$2,313,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,328
−HK$10,445/mo
▼ 0.25% · 3.875%
HK$198,513
−HK$5,260/mo
Today · 4.125%
HK$203,773
baseline
▲ 0.50% · 4.625%
HK$214,514
+HK$10,741/mo
Deposit HK$16.33M · loan HK$38.11M · min. income ≈ HK$407,546/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$2,313,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,431
−HK$14,011/mo
▼ 0.25% · 3.875%
HK$230,381
−HK$7,061/mo
Today · 4.125%
HK$237,442
baseline
▲ 0.50% · 4.625%
HK$251,890
+HK$14,448/mo
Deposit HK$5.44M · loan HK$48.99M · min. income ≈ HK$474,884/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$2,313,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,565
−HK$13,429/mo
▼ 0.25% · 3.875%
HK$255,231
−HK$6,763/mo
Today · 4.125%
HK$261,994
baseline
▲ 0.50% · 4.625%
HK$275,804
+HK$13,810/mo
Deposit HK$5.44M · loan HK$48.99M · min. income ≈ HK$523,988/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$2,313,535 · Scale 2, in force from 26 Feb 2026)