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$121,339
−HK$7,609/mo
▼ 0.25% · 3.875%
HK$125,113
−HK$3,835/mo
Today · 4.125%
HK$128,948
baseline
▲ 0.50% · 4.625%
HK$136,794
+HK$7,846/mo
Deposit HK$26.61M · loan HK$26.61M · min. income ≈ HK$257,896/mo (50% DSR)
Upfront cash ≈ HK$28.87M (deposit + AVD stamp duty HK$2,261,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,988
−HK$7,293/mo
▼ 0.25% · 3.875%
HK$138,609
−HK$3,672/mo
Today · 4.125%
HK$142,281
baseline
▲ 0.50% · 4.625%
HK$149,781
+HK$7,500/mo
Deposit HK$26.61M · loan HK$26.61M · min. income ≈ HK$284,562/mo (50% DSR)
Upfront cash ≈ HK$28.87M (deposit + AVD stamp duty HK$2,261,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,607
−HK$9,131/mo
▼ 0.25% · 3.875%
HK$150,136
−HK$4,602/mo
Today · 4.125%
HK$154,738
baseline
▲ 0.50% · 4.625%
HK$164,153
+HK$9,415/mo
Deposit HK$21.29M · loan HK$31.93M · min. income ≈ HK$309,476/mo (50% DSR)
Upfront cash ≈ HK$23.55M (deposit + AVD stamp duty HK$2,261,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,986
−HK$8,752/mo
▼ 0.25% · 3.875%
HK$166,331
−HK$4,407/mo
Today · 4.125%
HK$170,738
baseline
▲ 0.50% · 4.625%
HK$179,738
+HK$9,000/mo
Deposit HK$21.29M · loan HK$31.93M · min. income ≈ HK$341,476/mo (50% DSR)
Upfront cash ≈ HK$23.55M (deposit + AVD stamp duty HK$2,261,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,875
−HK$10,652/mo
▼ 0.25% · 3.875%
HK$175,159
−HK$5,368/mo
Today · 4.125%
HK$180,527
baseline
▲ 0.50% · 4.625%
HK$191,512
+HK$10,985/mo
Deposit HK$15.96M · loan HK$37.25M · min. income ≈ HK$361,054/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$2,261,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$188,984
−HK$10,210/mo
▼ 0.25% · 3.875%
HK$194,052
−HK$5,142/mo
Today · 4.125%
HK$199,194
baseline
▲ 0.50% · 4.625%
HK$209,694
+HK$10,500/mo
Deposit HK$15.96M · loan HK$37.25M · min. income ≈ HK$398,388/mo (50% DSR)
Upfront cash ≈ HK$18.23M (deposit + AVD stamp duty HK$2,261,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$218,410
−HK$13,697/mo
▼ 0.25% · 3.875%
HK$225,204
−HK$6,903/mo
Today · 4.125%
HK$232,107
baseline
▲ 0.50% · 4.625%
HK$246,230
+HK$14,123/mo
Deposit HK$5.32M · loan HK$47.89M · min. income ≈ HK$464,214/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$2,261,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$242,979
−HK$13,128/mo
▼ 0.25% · 3.875%
HK$249,496
−HK$6,611/mo
Today · 4.125%
HK$256,107
baseline
▲ 0.50% · 4.625%
HK$269,606
+HK$13,499/mo
Deposit HK$5.32M · loan HK$47.89M · min. income ≈ HK$512,214/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$2,261,548 · Scale 2, in force from 26 Feb 2026)