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$114,336
−HK$7,170/mo
▼ 0.25% · 3.875%
HK$117,893
−HK$3,613/mo
Today · 4.125%
HK$121,506
baseline
▲ 0.50% · 4.625%
HK$128,900
+HK$7,394/mo
Deposit HK$25.07M · loan HK$25.07M · min. income ≈ HK$243,012/mo (50% DSR)
Upfront cash ≈ HK$27.20M (deposit + AVD stamp duty HK$2,131,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,198
−HK$6,872/mo
▼ 0.25% · 3.875%
HK$130,610
−HK$3,460/mo
Today · 4.125%
HK$134,070
baseline
▲ 0.50% · 4.625%
HK$141,137
+HK$7,067/mo
Deposit HK$25.07M · loan HK$25.07M · min. income ≈ HK$268,140/mo (50% DSR)
Upfront cash ≈ HK$27.20M (deposit + AVD stamp duty HK$2,131,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,204
−HK$8,604/mo
▼ 0.25% · 3.875%
HK$141,472
−HK$4,336/mo
Today · 4.125%
HK$145,808
baseline
▲ 0.50% · 4.625%
HK$154,680
+HK$8,872/mo
Deposit HK$20.06M · loan HK$30.09M · min. income ≈ HK$291,616/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$2,131,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,638
−HK$8,246/mo
▼ 0.25% · 3.875%
HK$156,731
−HK$4,153/mo
Today · 4.125%
HK$160,884
baseline
▲ 0.50% · 4.625%
HK$169,365
+HK$8,481/mo
Deposit HK$20.06M · loan HK$30.09M · min. income ≈ HK$321,768/mo (50% DSR)
Upfront cash ≈ HK$22.19M (deposit + AVD stamp duty HK$2,131,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,071
−HK$10,038/mo
▼ 0.25% · 3.875%
HK$165,050
−HK$5,059/mo
Today · 4.125%
HK$170,109
baseline
▲ 0.50% · 4.625%
HK$180,460
+HK$10,351/mo
Deposit HK$15.04M · loan HK$35.10M · min. income ≈ HK$340,218/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$2,131,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$178,077
−HK$9,621/mo
▼ 0.25% · 3.875%
HK$182,853
−HK$4,845/mo
Today · 4.125%
HK$187,698
baseline
▲ 0.50% · 4.625%
HK$197,592
+HK$9,894/mo
Deposit HK$15.04M · loan HK$35.10M · min. income ≈ HK$375,396/mo (50% DSR)
Upfront cash ≈ HK$17.17M (deposit + AVD stamp duty HK$2,131,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$205,806
−HK$12,905/mo
▼ 0.25% · 3.875%
HK$212,207
−HK$6,504/mo
Today · 4.125%
HK$218,711
baseline
▲ 0.50% · 4.625%
HK$232,020
+HK$13,309/mo
Deposit HK$5.01M · loan HK$45.13M · min. income ≈ HK$437,422/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$2,131,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,957
−HK$12,370/mo
▼ 0.25% · 3.875%
HK$235,097
−HK$6,230/mo
Today · 4.125%
HK$241,327
baseline
▲ 0.50% · 4.625%
HK$254,047
+HK$12,720/mo
Deposit HK$5.01M · loan HK$45.13M · min. income ≈ HK$482,654/mo (50% DSR)
Upfront cash ≈ HK$7.15M (deposit + AVD stamp duty HK$2,131,032 · Scale 2, in force from 26 Feb 2026)