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$112,937
−HK$7,082/mo
▼ 0.25% · 3.875%
HK$116,450
−HK$3,569/mo
Today · 4.125%
HK$120,019
baseline
▲ 0.50% · 4.625%
HK$127,322
+HK$7,303/mo
Deposit HK$24.76M · loan HK$24.76M · min. income ≈ HK$240,038/mo (50% DSR)
Upfront cash ≈ HK$26.87M (deposit + AVD stamp duty HK$2,104,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,641
−HK$6,788/mo
▼ 0.25% · 3.875%
HK$129,010
−HK$3,419/mo
Today · 4.125%
HK$132,429
baseline
▲ 0.50% · 4.625%
HK$139,409
+HK$6,980/mo
Deposit HK$24.76M · loan HK$24.76M · min. income ≈ HK$264,858/mo (50% DSR)
Upfront cash ≈ HK$26.87M (deposit + AVD stamp duty HK$2,104,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,524
−HK$8,498/mo
▼ 0.25% · 3.875%
HK$139,739
−HK$4,283/mo
Today · 4.125%
HK$144,022
baseline
▲ 0.50% · 4.625%
HK$152,786
+HK$8,764/mo
Deposit HK$19.81M · loan HK$29.72M · min. income ≈ HK$288,044/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$2,104,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,769
−HK$8,146/mo
▼ 0.25% · 3.875%
HK$154,813
−HK$4,102/mo
Today · 4.125%
HK$158,915
baseline
▲ 0.50% · 4.625%
HK$167,291
+HK$8,376/mo
Deposit HK$19.81M · loan HK$29.72M · min. income ≈ HK$317,830/mo (50% DSR)
Upfront cash ≈ HK$21.92M (deposit + AVD stamp duty HK$2,104,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,111
−HK$9,915/mo
▼ 0.25% · 3.875%
HK$163,029
−HK$4,997/mo
Today · 4.125%
HK$168,026
baseline
▲ 0.50% · 4.625%
HK$178,250
+HK$10,224/mo
Deposit HK$14.86M · loan HK$34.67M · min. income ≈ HK$336,052/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$2,104,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,897
−HK$9,503/mo
▼ 0.25% · 3.875%
HK$180,615
−HK$4,785/mo
Today · 4.125%
HK$185,400
baseline
▲ 0.50% · 4.625%
HK$195,173
+HK$9,773/mo
Deposit HK$14.86M · loan HK$34.67M · min. income ≈ HK$370,800/mo (50% DSR)
Upfront cash ≈ HK$16.96M (deposit + AVD stamp duty HK$2,104,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$203,286
−HK$12,748/mo
▼ 0.25% · 3.875%
HK$209,609
−HK$6,425/mo
Today · 4.125%
HK$216,034
baseline
▲ 0.50% · 4.625%
HK$229,179
+HK$13,145/mo
Deposit HK$4.95M · loan HK$44.58M · min. income ≈ HK$432,068/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,104,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,153
−HK$12,219/mo
▼ 0.25% · 3.875%
HK$232,219
−HK$6,153/mo
Today · 4.125%
HK$238,372
baseline
▲ 0.50% · 4.625%
HK$250,937
+HK$12,565/mo
Deposit HK$4.95M · loan HK$44.58M · min. income ≈ HK$476,744/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$2,104,942 · Scale 2, in force from 26 Feb 2026)