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$123,648
−HK$7,754/mo
▼ 0.25% · 3.875%
HK$127,495
−HK$3,907/mo
Today · 4.125%
HK$131,402
baseline
▲ 0.50% · 4.625%
HK$139,398
+HK$7,996/mo
Deposit HK$27.11M · loan HK$27.11M · min. income ≈ HK$262,804/mo (50% DSR)
Upfront cash ≈ HK$29.42M (deposit + AVD stamp duty HK$2,304,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,558
−HK$7,432/mo
▼ 0.25% · 3.875%
HK$141,247
−HK$3,743/mo
Today · 4.125%
HK$144,990
baseline
▲ 0.50% · 4.625%
HK$152,632
+HK$7,642/mo
Deposit HK$27.11M · loan HK$27.11M · min. income ≈ HK$289,980/mo (50% DSR)
Upfront cash ≈ HK$29.42M (deposit + AVD stamp duty HK$2,304,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,378
−HK$9,305/mo
▼ 0.25% · 3.875%
HK$152,994
−HK$4,689/mo
Today · 4.125%
HK$157,683
baseline
▲ 0.50% · 4.625%
HK$167,277
+HK$9,594/mo
Deposit HK$21.69M · loan HK$32.54M · min. income ≈ HK$315,366/mo (50% DSR)
Upfront cash ≈ HK$23.99M (deposit + AVD stamp duty HK$2,304,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,069
−HK$8,918/mo
▼ 0.25% · 3.875%
HK$169,496
−HK$4,491/mo
Today · 4.125%
HK$173,987
baseline
▲ 0.50% · 4.625%
HK$183,159
+HK$9,172/mo
Deposit HK$21.69M · loan HK$32.54M · min. income ≈ HK$347,974/mo (50% DSR)
Upfront cash ≈ HK$23.99M (deposit + AVD stamp duty HK$2,304,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,108
−HK$10,855/mo
▼ 0.25% · 3.875%
HK$178,493
−HK$5,470/mo
Today · 4.125%
HK$183,963
baseline
▲ 0.50% · 4.625%
HK$195,157
+HK$11,194/mo
Deposit HK$16.27M · loan HK$37.96M · min. income ≈ HK$367,926/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$2,304,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$192,581
−HK$10,404/mo
▼ 0.25% · 3.875%
HK$197,746
−HK$5,239/mo
Today · 4.125%
HK$202,985
baseline
▲ 0.50% · 4.625%
HK$213,685
+HK$10,700/mo
Deposit HK$16.27M · loan HK$37.96M · min. income ≈ HK$405,970/mo (50% DSR)
Upfront cash ≈ HK$18.57M (deposit + AVD stamp duty HK$2,304,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,567
−HK$13,957/mo
▼ 0.25% · 3.875%
HK$229,490
−HK$7,034/mo
Today · 4.125%
HK$236,524
baseline
▲ 0.50% · 4.625%
HK$250,916
+HK$14,392/mo
Deposit HK$5.42M · loan HK$48.80M · min. income ≈ HK$473,048/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$2,304,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$247,604
−HK$13,377/mo
▼ 0.25% · 3.875%
HK$254,244
−HK$6,737/mo
Today · 4.125%
HK$260,981
baseline
▲ 0.50% · 4.625%
HK$274,738
+HK$13,757/mo
Deposit HK$5.42M · loan HK$48.80M · min. income ≈ HK$521,962/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$2,304,592 · Scale 2, in force from 26 Feb 2026)