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$116,526
−HK$7,307/mo
▼ 0.25% · 3.875%
HK$120,150
−HK$3,683/mo
Today · 4.125%
HK$123,833
baseline
▲ 0.50% · 4.625%
HK$131,368
+HK$7,535/mo
Deposit HK$25.55M · loan HK$25.55M · min. income ≈ HK$247,666/mo (50% DSR)
Upfront cash ≈ HK$27.72M (deposit + AVD stamp duty HK$2,171,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,634
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$133,110
−HK$3,527/mo
Today · 4.125%
HK$136,637
baseline
▲ 0.50% · 4.625%
HK$143,840
+HK$7,203/mo
Deposit HK$25.55M · loan HK$25.55M · min. income ≈ HK$273,274/mo (50% DSR)
Upfront cash ≈ HK$27.72M (deposit + AVD stamp duty HK$2,171,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,831
−HK$8,768/mo
▼ 0.25% · 3.875%
HK$144,180
−HK$4,419/mo
Today · 4.125%
HK$148,599
baseline
▲ 0.50% · 4.625%
HK$157,641
+HK$9,042/mo
Deposit HK$20.44M · loan HK$30.66M · min. income ≈ HK$297,198/mo (50% DSR)
Upfront cash ≈ HK$22.61M (deposit + AVD stamp duty HK$2,171,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,560
−HK$8,405/mo
▼ 0.25% · 3.875%
HK$159,732
−HK$4,233/mo
Today · 4.125%
HK$163,965
baseline
▲ 0.50% · 4.625%
HK$172,608
+HK$8,643/mo
Deposit HK$20.44M · loan HK$30.66M · min. income ≈ HK$327,930/mo (50% DSR)
Upfront cash ≈ HK$22.61M (deposit + AVD stamp duty HK$2,171,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,136
−HK$10,230/mo
▼ 0.25% · 3.875%
HK$168,210
−HK$5,156/mo
Today · 4.125%
HK$173,366
baseline
▲ 0.50% · 4.625%
HK$183,915
+HK$10,549/mo
Deposit HK$15.33M · loan HK$35.77M · min. income ≈ HK$346,732/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$2,171,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,487
−HK$9,805/mo
▼ 0.25% · 3.875%
HK$186,355
−HK$4,937/mo
Today · 4.125%
HK$191,292
baseline
▲ 0.50% · 4.625%
HK$201,376
+HK$10,084/mo
Deposit HK$15.33M · loan HK$35.77M · min. income ≈ HK$382,584/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$2,171,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,746
−HK$13,153/mo
▼ 0.25% · 3.875%
HK$216,271
−HK$6,628/mo
Today · 4.125%
HK$222,899
baseline
▲ 0.50% · 4.625%
HK$236,462
+HK$13,563/mo
Deposit HK$5.11M · loan HK$45.99M · min. income ≈ HK$445,798/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$2,171,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,341
−HK$12,606/mo
▼ 0.25% · 3.875%
HK$239,599
−HK$6,348/mo
Today · 4.125%
HK$245,947
baseline
▲ 0.50% · 4.625%
HK$258,911
+HK$12,964/mo
Deposit HK$5.11M · loan HK$45.99M · min. income ≈ HK$491,894/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$2,171,836 · Scale 2, in force from 26 Feb 2026)