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$116,646
−HK$7,315/mo
▼ 0.25% · 3.875%
HK$120,275
−HK$3,686/mo
Today · 4.125%
HK$123,961
baseline
▲ 0.50% · 4.625%
HK$131,504
+HK$7,543/mo
Deposit HK$25.58M · loan HK$25.58M · min. income ≈ HK$247,922/mo (50% DSR)
Upfront cash ≈ HK$27.75M (deposit + AVD stamp duty HK$2,174,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,768
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$133,248
−HK$3,531/mo
Today · 4.125%
HK$136,779
baseline
▲ 0.50% · 4.625%
HK$143,989
+HK$7,210/mo
Deposit HK$25.58M · loan HK$25.58M · min. income ≈ HK$273,558/mo (50% DSR)
Upfront cash ≈ HK$27.75M (deposit + AVD stamp duty HK$2,174,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,975
−HK$8,778/mo
▼ 0.25% · 3.875%
HK$144,330
−HK$4,423/mo
Today · 4.125%
HK$148,753
baseline
▲ 0.50% · 4.625%
HK$157,804
+HK$9,051/mo
Deposit HK$20.46M · loan HK$30.69M · min. income ≈ HK$297,506/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$2,174,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,721
−HK$8,413/mo
▼ 0.25% · 3.875%
HK$159,898
−HK$4,236/mo
Today · 4.125%
HK$164,134
baseline
▲ 0.50% · 4.625%
HK$172,786
+HK$8,652/mo
Deposit HK$20.46M · loan HK$30.69M · min. income ≈ HK$328,268/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$2,174,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,305
−HK$10,240/mo
▼ 0.25% · 3.875%
HK$168,384
−HK$5,161/mo
Today · 4.125%
HK$173,545
baseline
▲ 0.50% · 4.625%
HK$184,105
+HK$10,560/mo
Deposit HK$15.35M · loan HK$35.81M · min. income ≈ HK$347,090/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$2,174,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,675
−HK$9,815/mo
▼ 0.25% · 3.875%
HK$186,547
−HK$4,943/mo
Today · 4.125%
HK$191,490
baseline
▲ 0.50% · 4.625%
HK$201,584
+HK$10,094/mo
Deposit HK$15.35M · loan HK$35.81M · min. income ≈ HK$382,980/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$2,174,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,963
−HK$13,167/mo
▼ 0.25% · 3.875%
HK$216,494
−HK$6,636/mo
Today · 4.125%
HK$223,130
baseline
▲ 0.50% · 4.625%
HK$236,707
+HK$13,577/mo
Deposit HK$5.12M · loan HK$46.04M · min. income ≈ HK$446,260/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$2,174,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,582
−HK$12,620/mo
▼ 0.25% · 3.875%
HK$239,847
−HK$6,355/mo
Today · 4.125%
HK$246,202
baseline
▲ 0.50% · 4.625%
HK$259,179
+HK$12,977/mo
Deposit HK$5.12M · loan HK$46.04M · min. income ≈ HK$492,404/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$2,174,083 · Scale 2, in force from 26 Feb 2026)