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$127,621
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$131,591
−HK$4,033/mo
Today · 4.125%
HK$135,624
baseline
▲ 0.50% · 4.625%
HK$143,877
+HK$8,253/mo
Deposit HK$27.98M · loan HK$27.98M · min. income ≈ HK$271,248/mo (50% DSR)
Upfront cash ≈ HK$30.36M (deposit + AVD stamp duty HK$2,378,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,977
−HK$7,671/mo
▼ 0.25% · 3.875%
HK$145,785
−HK$3,863/mo
Today · 4.125%
HK$149,648
baseline
▲ 0.50% · 4.625%
HK$157,536
+HK$7,888/mo
Deposit HK$27.98M · loan HK$27.98M · min. income ≈ HK$299,296/mo (50% DSR)
Upfront cash ≈ HK$30.36M (deposit + AVD stamp duty HK$2,378,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,145
−HK$9,604/mo
▼ 0.25% · 3.875%
HK$157,909
−HK$4,840/mo
Today · 4.125%
HK$162,749
baseline
▲ 0.50% · 4.625%
HK$172,652
+HK$9,903/mo
Deposit HK$22.39M · loan HK$33.58M · min. income ≈ HK$325,498/mo (50% DSR)
Upfront cash ≈ HK$24.77M (deposit + AVD stamp duty HK$2,378,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,373
−HK$9,205/mo
▼ 0.25% · 3.875%
HK$174,942
−HK$4,636/mo
Today · 4.125%
HK$179,578
baseline
▲ 0.50% · 4.625%
HK$189,043
+HK$9,465/mo
Deposit HK$22.39M · loan HK$33.58M · min. income ≈ HK$359,156/mo (50% DSR)
Upfront cash ≈ HK$24.77M (deposit + AVD stamp duty HK$2,378,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,670
−HK$11,204/mo
▼ 0.25% · 3.875%
HK$184,227
−HK$5,647/mo
Today · 4.125%
HK$189,874
baseline
▲ 0.50% · 4.625%
HK$201,427
+HK$11,553/mo
Deposit HK$16.79M · loan HK$39.18M · min. income ≈ HK$379,748/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$2,378,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$198,768
−HK$10,739/mo
▼ 0.25% · 3.875%
HK$204,099
−HK$5,408/mo
Today · 4.125%
HK$209,507
baseline
▲ 0.50% · 4.625%
HK$220,551
+HK$11,044/mo
Deposit HK$16.79M · loan HK$39.18M · min. income ≈ HK$419,014/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$2,378,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$229,718
−HK$14,406/mo
▼ 0.25% · 3.875%
HK$236,864
−HK$7,260/mo
Today · 4.125%
HK$244,124
baseline
▲ 0.50% · 4.625%
HK$258,978
+HK$14,854/mo
Deposit HK$5.60M · loan HK$50.37M · min. income ≈ HK$488,248/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$2,378,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$255,559
−HK$13,807/mo
▼ 0.25% · 3.875%
HK$262,413
−HK$6,953/mo
Today · 4.125%
HK$269,366
baseline
▲ 0.50% · 4.625%
HK$283,565
+HK$14,199/mo
Deposit HK$5.60M · loan HK$50.37M · min. income ≈ HK$538,732/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$2,378,638 · Scale 2, in force from 26 Feb 2026)