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$118,558
−HK$7,435/mo
▼ 0.25% · 3.875%
HK$122,246
−HK$3,747/mo
Today · 4.125%
HK$125,993
baseline
▲ 0.50% · 4.625%
HK$133,659
+HK$7,666/mo
Deposit HK$26.00M · loan HK$26.00M · min. income ≈ HK$251,986/mo (50% DSR)
Upfront cash ≈ HK$28.21M (deposit + AVD stamp duty HK$2,209,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,895
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$135,432
−HK$3,588/mo
Today · 4.125%
HK$139,020
baseline
▲ 0.50% · 4.625%
HK$146,348
+HK$7,328/mo
Deposit HK$26.00M · loan HK$26.00M · min. income ≈ HK$278,040/mo (50% DSR)
Upfront cash ≈ HK$28.21M (deposit + AVD stamp duty HK$2,209,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,270
−HK$8,921/mo
▼ 0.25% · 3.875%
HK$146,695
−HK$4,496/mo
Today · 4.125%
HK$151,191
baseline
▲ 0.50% · 4.625%
HK$160,391
+HK$9,200/mo
Deposit HK$20.80M · loan HK$31.20M · min. income ≈ HK$302,382/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$2,209,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,274
−HK$8,551/mo
▼ 0.25% · 3.875%
HK$162,518
−HK$4,307/mo
Today · 4.125%
HK$166,825
baseline
▲ 0.50% · 4.625%
HK$175,618
+HK$8,793/mo
Deposit HK$20.80M · loan HK$31.20M · min. income ≈ HK$333,650/mo (50% DSR)
Upfront cash ≈ HK$23.01M (deposit + AVD stamp duty HK$2,209,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,981
−HK$10,409/mo
▼ 0.25% · 3.875%
HK$171,144
−HK$5,246/mo
Today · 4.125%
HK$176,390
baseline
▲ 0.50% · 4.625%
HK$187,123
+HK$10,733/mo
Deposit HK$15.60M · loan HK$36.40M · min. income ≈ HK$352,780/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$2,209,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$184,652
−HK$9,977/mo
▼ 0.25% · 3.875%
HK$189,605
−HK$5,024/mo
Today · 4.125%
HK$194,629
baseline
▲ 0.50% · 4.625%
HK$204,888
+HK$10,259/mo
Deposit HK$15.60M · loan HK$36.40M · min. income ≈ HK$389,258/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$2,209,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$213,404
−HK$13,383/mo
▼ 0.25% · 3.875%
HK$220,043
−HK$6,744/mo
Today · 4.125%
HK$226,787
baseline
▲ 0.50% · 4.625%
HK$240,586
+HK$13,799/mo
Deposit HK$5.20M · loan HK$46.79M · min. income ≈ HK$453,574/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$2,209,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$237,410
−HK$12,827/mo
▼ 0.25% · 3.875%
HK$243,778
−HK$6,459/mo
Today · 4.125%
HK$250,237
baseline
▲ 0.50% · 4.625%
HK$263,427
+HK$13,190/mo
Deposit HK$5.20M · loan HK$46.79M · min. income ≈ HK$500,474/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$2,209,715 · Scale 2, in force from 26 Feb 2026)