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$131,311
−HK$8,235/mo
▼ 0.25% · 3.875%
HK$135,396
−HK$4,150/mo
Today · 4.125%
HK$139,546
baseline
▲ 0.50% · 4.625%
HK$148,037
+HK$8,491/mo
Deposit HK$28.79M · loan HK$28.79M · min. income ≈ HK$279,092/mo (50% DSR)
Upfront cash ≈ HK$31.24M (deposit + AVD stamp duty HK$2,447,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,082
−HK$7,893/mo
▼ 0.25% · 3.875%
HK$150,000
−HK$3,975/mo
Today · 4.125%
HK$153,975
baseline
▲ 0.50% · 4.625%
HK$162,091
+HK$8,116/mo
Deposit HK$28.79M · loan HK$28.79M · min. income ≈ HK$307,950/mo (50% DSR)
Upfront cash ≈ HK$31.24M (deposit + AVD stamp duty HK$2,447,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,573
−HK$9,882/mo
▼ 0.25% · 3.875%
HK$162,475
−HK$4,980/mo
Today · 4.125%
HK$167,455
baseline
▲ 0.50% · 4.625%
HK$177,644
+HK$10,189/mo
Deposit HK$23.03M · loan HK$34.55M · min. income ≈ HK$334,910/mo (50% DSR)
Upfront cash ≈ HK$25.48M (deposit + AVD stamp duty HK$2,447,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,299
−HK$9,471/mo
▼ 0.25% · 3.875%
HK$180,000
−HK$4,770/mo
Today · 4.125%
HK$184,770
baseline
▲ 0.50% · 4.625%
HK$194,509
+HK$9,739/mo
Deposit HK$23.03M · loan HK$34.55M · min. income ≈ HK$369,540/mo (50% DSR)
Upfront cash ≈ HK$25.48M (deposit + AVD stamp duty HK$2,447,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$183,836
−HK$11,528/mo
▼ 0.25% · 3.875%
HK$189,554
−HK$5,810/mo
Today · 4.125%
HK$195,364
baseline
▲ 0.50% · 4.625%
HK$207,251
+HK$11,887/mo
Deposit HK$17.28M · loan HK$40.31M · min. income ≈ HK$390,728/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$2,447,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,515
−HK$11,050/mo
▼ 0.25% · 3.875%
HK$210,000
−HK$5,565/mo
Today · 4.125%
HK$215,565
baseline
▲ 0.50% · 4.625%
HK$226,927
+HK$11,362/mo
Deposit HK$17.28M · loan HK$40.31M · min. income ≈ HK$431,130/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$2,447,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$236,360
−HK$14,822/mo
▼ 0.25% · 3.875%
HK$243,712
−HK$7,470/mo
Today · 4.125%
HK$251,182
baseline
▲ 0.50% · 4.625%
HK$266,466
+HK$15,284/mo
Deposit HK$5.76M · loan HK$51.83M · min. income ≈ HK$502,364/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$2,447,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$262,948
−HK$14,207/mo
▼ 0.25% · 3.875%
HK$270,000
−HK$7,155/mo
Today · 4.125%
HK$277,155
baseline
▲ 0.50% · 4.625%
HK$291,764
+HK$14,609/mo
Deposit HK$5.76M · loan HK$51.83M · min. income ≈ HK$554,310/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$2,447,411 · Scale 2, in force from 26 Feb 2026)