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$126,204
−HK$7,914/mo
▼ 0.25% · 3.875%
HK$130,130
−HK$3,988/mo
Today · 4.125%
HK$134,118
baseline
▲ 0.50% · 4.625%
HK$142,279
+HK$8,161/mo
Deposit HK$27.67M · loan HK$27.67M · min. income ≈ HK$268,236/mo (50% DSR)
Upfront cash ≈ HK$30.03M (deposit + AVD stamp duty HK$2,352,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,401
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$144,166
−HK$3,820/mo
Today · 4.125%
HK$147,986
baseline
▲ 0.50% · 4.625%
HK$155,787
+HK$7,801/mo
Deposit HK$27.67M · loan HK$27.67M · min. income ≈ HK$295,972/mo (50% DSR)
Upfront cash ≈ HK$30.03M (deposit + AVD stamp duty HK$2,352,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,445
−HK$9,497/mo
▼ 0.25% · 3.875%
HK$156,156
−HK$4,786/mo
Today · 4.125%
HK$160,942
baseline
▲ 0.50% · 4.625%
HK$170,735
+HK$9,793/mo
Deposit HK$22.14M · loan HK$33.21M · min. income ≈ HK$321,884/mo (50% DSR)
Upfront cash ≈ HK$24.49M (deposit + AVD stamp duty HK$2,352,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,481
−HK$9,102/mo
▼ 0.25% · 3.875%
HK$172,999
−HK$4,584/mo
Today · 4.125%
HK$177,583
baseline
▲ 0.50% · 4.625%
HK$186,944
+HK$9,361/mo
Deposit HK$22.14M · loan HK$33.21M · min. income ≈ HK$355,166/mo (50% DSR)
Upfront cash ≈ HK$24.49M (deposit + AVD stamp duty HK$2,352,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,686
−HK$11,079/mo
▼ 0.25% · 3.875%
HK$182,181
−HK$5,584/mo
Today · 4.125%
HK$187,765
baseline
▲ 0.50% · 4.625%
HK$199,190
+HK$11,425/mo
Deposit HK$16.60M · loan HK$38.74M · min. income ≈ HK$375,530/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$2,352,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,561
−HK$10,619/mo
▼ 0.25% · 3.875%
HK$201,833
−HK$5,347/mo
Today · 4.125%
HK$207,180
baseline
▲ 0.50% · 4.625%
HK$218,101
+HK$10,921/mo
Deposit HK$16.60M · loan HK$38.74M · min. income ≈ HK$414,360/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$2,352,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,167
−HK$14,245/mo
▼ 0.25% · 3.875%
HK$234,233
−HK$7,179/mo
Today · 4.125%
HK$241,412
baseline
▲ 0.50% · 4.625%
HK$256,102
+HK$14,690/mo
Deposit HK$5.53M · loan HK$49.81M · min. income ≈ HK$482,824/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$2,352,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$252,721
−HK$13,654/mo
▼ 0.25% · 3.875%
HK$259,499
−HK$6,876/mo
Today · 4.125%
HK$266,375
baseline
▲ 0.50% · 4.625%
HK$280,416
+HK$14,041/mo
Deposit HK$5.53M · loan HK$49.81M · min. income ≈ HK$532,750/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$2,352,222 · Scale 2, in force from 26 Feb 2026)