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$124,763
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$128,644
−HK$3,943/mo
Today · 4.125%
HK$132,587
baseline
▲ 0.50% · 4.625%
HK$140,655
+HK$8,068/mo
Deposit HK$27.36M · loan HK$27.36M · min. income ≈ HK$265,174/mo (50% DSR)
Upfront cash ≈ HK$29.68M (deposit + AVD stamp duty HK$2,325,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,798
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$142,521
−HK$3,776/mo
Today · 4.125%
HK$146,297
baseline
▲ 0.50% · 4.625%
HK$154,008
+HK$7,711/mo
Deposit HK$27.36M · loan HK$27.36M · min. income ≈ HK$292,594/mo (50% DSR)
Upfront cash ≈ HK$29.68M (deposit + AVD stamp duty HK$2,325,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,716
−HK$9,389/mo
▼ 0.25% · 3.875%
HK$154,373
−HK$4,732/mo
Today · 4.125%
HK$159,105
baseline
▲ 0.50% · 4.625%
HK$168,786
+HK$9,681/mo
Deposit HK$21.89M · loan HK$32.83M · min. income ≈ HK$318,210/mo (50% DSR)
Upfront cash ≈ HK$24.21M (deposit + AVD stamp duty HK$2,325,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$166,558
−HK$8,998/mo
▼ 0.25% · 3.875%
HK$171,025
−HK$4,531/mo
Today · 4.125%
HK$175,556
baseline
▲ 0.50% · 4.625%
HK$184,810
+HK$9,254/mo
Deposit HK$21.89M · loan HK$32.83M · min. income ≈ HK$351,112/mo (50% DSR)
Upfront cash ≈ HK$24.21M (deposit + AVD stamp duty HK$2,325,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,669
−HK$10,953/mo
▼ 0.25% · 3.875%
HK$180,102
−HK$5,520/mo
Today · 4.125%
HK$185,622
baseline
▲ 0.50% · 4.625%
HK$196,917
+HK$11,295/mo
Deposit HK$16.41M · loan HK$38.30M · min. income ≈ HK$371,244/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$2,325,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$194,317
−HK$10,499/mo
▼ 0.25% · 3.875%
HK$199,529
−HK$5,287/mo
Today · 4.125%
HK$204,816
baseline
▲ 0.50% · 4.625%
HK$215,612
+HK$10,796/mo
Deposit HK$16.41M · loan HK$38.30M · min. income ≈ HK$409,632/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$2,325,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$224,574
−HK$14,083/mo
▼ 0.25% · 3.875%
HK$231,560
−HK$7,097/mo
Today · 4.125%
HK$238,657
baseline
▲ 0.50% · 4.625%
HK$253,179
+HK$14,522/mo
Deposit HK$5.47M · loan HK$49.24M · min. income ≈ HK$477,314/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$2,325,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$249,836
−HK$13,498/mo
▼ 0.25% · 3.875%
HK$256,537
−HK$6,797/mo
Today · 4.125%
HK$263,334
baseline
▲ 0.50% · 4.625%
HK$277,215
+HK$13,881/mo
Deposit HK$5.47M · loan HK$49.24M · min. income ≈ HK$526,668/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$2,325,373 · Scale 2, in force from 26 Feb 2026)