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$120,378
−HK$7,548/mo
▼ 0.25% · 3.875%
HK$124,122
−HK$3,804/mo
Today · 4.125%
HK$127,926
baseline
▲ 0.50% · 4.625%
HK$135,710
+HK$7,784/mo
Deposit HK$26.40M · loan HK$26.40M · min. income ≈ HK$255,852/mo (50% DSR)
Upfront cash ≈ HK$28.64M (deposit + AVD stamp duty HK$2,243,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,919
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$137,511
−HK$3,643/mo
Today · 4.125%
HK$141,154
baseline
▲ 0.50% · 4.625%
HK$148,595
+HK$7,441/mo
Deposit HK$26.40M · loan HK$26.40M · min. income ≈ HK$282,308/mo (50% DSR)
Upfront cash ≈ HK$28.64M (deposit + AVD stamp duty HK$2,243,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,453
−HK$9,059/mo
▼ 0.25% · 3.875%
HK$148,946
−HK$4,566/mo
Today · 4.125%
HK$153,512
baseline
▲ 0.50% · 4.625%
HK$162,852
+HK$9,340/mo
Deposit HK$21.12M · loan HK$31.67M · min. income ≈ HK$307,024/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$2,243,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,703
−HK$8,682/mo
▼ 0.25% · 3.875%
HK$165,013
−HK$4,372/mo
Today · 4.125%
HK$169,385
baseline
▲ 0.50% · 4.625%
HK$178,313
+HK$8,928/mo
Deposit HK$21.12M · loan HK$31.67M · min. income ≈ HK$338,770/mo (50% DSR)
Upfront cash ≈ HK$23.36M (deposit + AVD stamp duty HK$2,243,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,529
−HK$10,568/mo
▼ 0.25% · 3.875%
HK$173,771
−HK$5,326/mo
Today · 4.125%
HK$179,097
baseline
▲ 0.50% · 4.625%
HK$189,995
+HK$10,898/mo
Deposit HK$15.84M · loan HK$36.95M · min. income ≈ HK$358,194/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$2,243,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,486
−HK$10,130/mo
▼ 0.25% · 3.875%
HK$192,515
−HK$5,101/mo
Today · 4.125%
HK$197,616
baseline
▲ 0.50% · 4.625%
HK$208,032
+HK$10,416/mo
Deposit HK$15.84M · loan HK$36.95M · min. income ≈ HK$395,232/mo (50% DSR)
Upfront cash ≈ HK$18.08M (deposit + AVD stamp duty HK$2,243,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,680
−HK$13,587/mo
▼ 0.25% · 3.875%
HK$223,420
−HK$6,847/mo
Today · 4.125%
HK$230,267
baseline
▲ 0.50% · 4.625%
HK$244,279
+HK$14,012/mo
Deposit HK$5.28M · loan HK$47.51M · min. income ≈ HK$460,534/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,243,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$241,054
−HK$13,023/mo
▼ 0.25% · 3.875%
HK$247,519
−HK$6,558/mo
Today · 4.125%
HK$254,077
baseline
▲ 0.50% · 4.625%
HK$267,470
+HK$13,393/mo
Deposit HK$5.28M · loan HK$47.51M · min. income ≈ HK$508,154/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,243,629 · Scale 2, in force from 26 Feb 2026)