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$129,684
−HK$8,132/mo
▼ 0.25% · 3.875%
HK$133,718
−HK$4,098/mo
Today · 4.125%
HK$137,816
baseline
▲ 0.50% · 4.625%
HK$146,202
+HK$8,386/mo
Deposit HK$28.44M · loan HK$28.44M · min. income ≈ HK$275,632/mo (50% DSR)
Upfront cash ≈ HK$30.85M (deposit + AVD stamp duty HK$2,417,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,272
−HK$7,795/mo
▼ 0.25% · 3.875%
HK$148,141
−HK$3,926/mo
Today · 4.125%
HK$152,067
baseline
▲ 0.50% · 4.625%
HK$160,082
+HK$8,015/mo
Deposit HK$28.44M · loan HK$28.44M · min. income ≈ HK$304,134/mo (50% DSR)
Upfront cash ≈ HK$30.85M (deposit + AVD stamp duty HK$2,417,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,621
−HK$9,759/mo
▼ 0.25% · 3.875%
HK$160,461
−HK$4,919/mo
Today · 4.125%
HK$165,380
baseline
▲ 0.50% · 4.625%
HK$175,442
+HK$10,062/mo
Deposit HK$22.75M · loan HK$34.12M · min. income ≈ HK$330,760/mo (50% DSR)
Upfront cash ≈ HK$25.17M (deposit + AVD stamp duty HK$2,417,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,126
−HK$9,354/mo
▼ 0.25% · 3.875%
HK$177,770
−HK$4,710/mo
Today · 4.125%
HK$182,480
baseline
▲ 0.50% · 4.625%
HK$192,099
+HK$9,619/mo
Deposit HK$22.75M · loan HK$34.12M · min. income ≈ HK$364,960/mo (50% DSR)
Upfront cash ≈ HK$25.17M (deposit + AVD stamp duty HK$2,417,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,558
−HK$11,385/mo
▼ 0.25% · 3.875%
HK$187,205
−HK$5,738/mo
Today · 4.125%
HK$192,943
baseline
▲ 0.50% · 4.625%
HK$204,683
+HK$11,740/mo
Deposit HK$17.06M · loan HK$39.81M · min. income ≈ HK$385,886/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$2,417,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,981
−HK$10,912/mo
▼ 0.25% · 3.875%
HK$207,398
−HK$5,495/mo
Today · 4.125%
HK$212,893
baseline
▲ 0.50% · 4.625%
HK$224,115
+HK$11,222/mo
Deposit HK$17.06M · loan HK$39.81M · min. income ≈ HK$425,786/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$2,417,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,431
−HK$14,638/mo
▼ 0.25% · 3.875%
HK$240,692
−HK$7,377/mo
Today · 4.125%
HK$248,069
baseline
▲ 0.50% · 4.625%
HK$263,164
+HK$15,095/mo
Deposit HK$5.69M · loan HK$51.19M · min. income ≈ HK$496,138/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,417,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$259,690
−HK$14,030/mo
▼ 0.25% · 3.875%
HK$266,654
−HK$7,066/mo
Today · 4.125%
HK$273,720
baseline
▲ 0.50% · 4.625%
HK$288,148
+HK$14,428/mo
Deposit HK$5.69M · loan HK$51.19M · min. income ≈ HK$547,440/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$2,417,083 · Scale 2, in force from 26 Feb 2026)