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$121,777
−HK$7,636/mo
▼ 0.25% · 3.875%
HK$125,565
−HK$3,848/mo
Today · 4.125%
HK$129,413
baseline
▲ 0.50% · 4.625%
HK$137,288
+HK$7,875/mo
Deposit HK$26.70M · loan HK$26.70M · min. income ≈ HK$258,826/mo (50% DSR)
Upfront cash ≈ HK$28.97M (deposit + AVD stamp duty HK$2,269,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,475
−HK$7,320/mo
▼ 0.25% · 3.875%
HK$139,109
−HK$3,686/mo
Today · 4.125%
HK$142,795
baseline
▲ 0.50% · 4.625%
HK$150,321
+HK$7,526/mo
Deposit HK$26.70M · loan HK$26.70M · min. income ≈ HK$285,590/mo (50% DSR)
Upfront cash ≈ HK$28.97M (deposit + AVD stamp duty HK$2,269,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,132
−HK$9,164/mo
▼ 0.25% · 3.875%
HK$150,677
−HK$4,619/mo
Today · 4.125%
HK$155,296
baseline
▲ 0.50% · 4.625%
HK$164,745
+HK$9,449/mo
Deposit HK$21.36M · loan HK$32.04M · min. income ≈ HK$310,592/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$2,269,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,570
−HK$8,783/mo
▼ 0.25% · 3.875%
HK$166,930
−HK$4,423/mo
Today · 4.125%
HK$171,353
baseline
▲ 0.50% · 4.625%
HK$180,386
+HK$9,033/mo
Deposit HK$21.36M · loan HK$32.04M · min. income ≈ HK$342,706/mo (50% DSR)
Upfront cash ≈ HK$23.63M (deposit + AVD stamp duty HK$2,269,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,487
−HK$10,691/mo
▼ 0.25% · 3.875%
HK$175,790
−HK$5,388/mo
Today · 4.125%
HK$181,178
baseline
▲ 0.50% · 4.625%
HK$192,203
+HK$11,025/mo
Deposit HK$16.02M · loan HK$37.38M · min. income ≈ HK$362,356/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$2,269,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,665
−HK$10,247/mo
▼ 0.25% · 3.875%
HK$194,752
−HK$5,160/mo
Today · 4.125%
HK$199,912
baseline
▲ 0.50% · 4.625%
HK$210,450
+HK$10,538/mo
Deposit HK$16.02M · loan HK$37.38M · min. income ≈ HK$399,824/mo (50% DSR)
Upfront cash ≈ HK$18.29M (deposit + AVD stamp duty HK$2,269,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,198
−HK$13,745/mo
▼ 0.25% · 3.875%
HK$226,016
−HK$6,927/mo
Today · 4.125%
HK$232,943
baseline
▲ 0.50% · 4.625%
HK$247,118
+HK$14,175/mo
Deposit HK$5.34M · loan HK$48.06M · min. income ≈ HK$465,886/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$2,269,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$243,855
−HK$13,175/mo
▼ 0.25% · 3.875%
HK$250,395
−HK$6,635/mo
Today · 4.125%
HK$257,030
baseline
▲ 0.50% · 4.625%
HK$270,579
+HK$13,549/mo
Deposit HK$5.34M · loan HK$48.06M · min. income ≈ HK$514,060/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$2,269,703 · Scale 2, in force from 26 Feb 2026)