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$125,627
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$129,535
−HK$3,970/mo
Today · 4.125%
HK$133,505
baseline
▲ 0.50% · 4.625%
HK$141,629
+HK$8,124/mo
Deposit HK$27.55M · loan HK$27.55M · min. income ≈ HK$267,010/mo (50% DSR)
Upfront cash ≈ HK$29.89M (deposit + AVD stamp duty HK$2,341,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,759
−HK$7,551/mo
▼ 0.25% · 3.875%
HK$143,507
−HK$3,803/mo
Today · 4.125%
HK$147,310
baseline
▲ 0.50% · 4.625%
HK$155,075
+HK$7,765/mo
Deposit HK$27.55M · loan HK$27.55M · min. income ≈ HK$294,620/mo (50% DSR)
Upfront cash ≈ HK$29.89M (deposit + AVD stamp duty HK$2,341,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,753
−HK$9,453/mo
▼ 0.25% · 3.875%
HK$155,442
−HK$4,764/mo
Today · 4.125%
HK$160,206
baseline
▲ 0.50% · 4.625%
HK$169,954
+HK$9,748/mo
Deposit HK$22.04M · loan HK$33.06M · min. income ≈ HK$320,412/mo (50% DSR)
Upfront cash ≈ HK$24.38M (deposit + AVD stamp duty HK$2,341,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,711
−HK$9,061/mo
▼ 0.25% · 3.875%
HK$172,209
−HK$4,563/mo
Today · 4.125%
HK$176,772
baseline
▲ 0.50% · 4.625%
HK$186,090
+HK$9,318/mo
Deposit HK$22.04M · loan HK$33.06M · min. income ≈ HK$353,544/mo (50% DSR)
Upfront cash ≈ HK$24.38M (deposit + AVD stamp duty HK$2,341,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,878
−HK$11,029/mo
▼ 0.25% · 3.875%
HK$181,349
−HK$5,558/mo
Today · 4.125%
HK$186,907
baseline
▲ 0.50% · 4.625%
HK$198,280
+HK$11,373/mo
Deposit HK$16.53M · loan HK$38.57M · min. income ≈ HK$373,814/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$2,341,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$195,663
−HK$10,571/mo
▼ 0.25% · 3.875%
HK$200,910
−HK$5,324/mo
Today · 4.125%
HK$206,234
baseline
▲ 0.50% · 4.625%
HK$217,105
+HK$10,871/mo
Deposit HK$16.53M · loan HK$38.57M · min. income ≈ HK$412,468/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$2,341,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$226,129
−HK$14,180/mo
▼ 0.25% · 3.875%
HK$233,163
−HK$7,146/mo
Today · 4.125%
HK$240,309
baseline
▲ 0.50% · 4.625%
HK$254,932
+HK$14,623/mo
Deposit HK$5.51M · loan HK$49.58M · min. income ≈ HK$480,618/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$2,341,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$251,566
−HK$13,592/mo
▼ 0.25% · 3.875%
HK$258,313
−HK$6,845/mo
Today · 4.125%
HK$265,158
baseline
▲ 0.50% · 4.625%
HK$279,134
+HK$13,976/mo
Deposit HK$5.51M · loan HK$49.58M · min. income ≈ HK$530,316/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$2,341,473 · Scale 2, in force from 26 Feb 2026)