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$123,104
−HK$7,720/mo
▼ 0.25% · 3.875%
HK$126,934
−HK$3,890/mo
Today · 4.125%
HK$130,824
baseline
▲ 0.50% · 4.625%
HK$138,785
+HK$7,961/mo
Deposit HK$26.99M · loan HK$26.99M · min. income ≈ HK$261,648/mo (50% DSR)
Upfront cash ≈ HK$29.29M (deposit + AVD stamp duty HK$2,294,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,952
−HK$7,400/mo
▼ 0.25% · 3.875%
HK$140,625
−HK$3,727/mo
Today · 4.125%
HK$144,352
baseline
▲ 0.50% · 4.625%
HK$151,961
+HK$7,609/mo
Deposit HK$26.99M · loan HK$26.99M · min. income ≈ HK$288,704/mo (50% DSR)
Upfront cash ≈ HK$29.29M (deposit + AVD stamp duty HK$2,294,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,725
−HK$9,264/mo
▼ 0.25% · 3.875%
HK$152,320
−HK$4,669/mo
Today · 4.125%
HK$156,989
baseline
▲ 0.50% · 4.625%
HK$166,541
+HK$9,552/mo
Deposit HK$21.59M · loan HK$32.39M · min. income ≈ HK$313,978/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$2,294,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,343
−HK$8,879/mo
▼ 0.25% · 3.875%
HK$168,751
−HK$4,471/mo
Today · 4.125%
HK$173,222
baseline
▲ 0.50% · 4.625%
HK$182,353
+HK$9,131/mo
Deposit HK$21.59M · loan HK$32.39M · min. income ≈ HK$346,444/mo (50% DSR)
Upfront cash ≈ HK$23.89M (deposit + AVD stamp duty HK$2,294,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,346
−HK$10,808/mo
▼ 0.25% · 3.875%
HK$177,707
−HK$5,447/mo
Today · 4.125%
HK$183,154
baseline
▲ 0.50% · 4.625%
HK$194,298
+HK$11,144/mo
Deposit HK$16.20M · loan HK$37.79M · min. income ≈ HK$366,308/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$2,294,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$191,733
−HK$10,359/mo
▼ 0.25% · 3.875%
HK$196,876
−HK$5,216/mo
Today · 4.125%
HK$202,092
baseline
▲ 0.50% · 4.625%
HK$212,745
+HK$10,653/mo
Deposit HK$16.20M · loan HK$37.79M · min. income ≈ HK$404,184/mo (50% DSR)
Upfront cash ≈ HK$18.49M (deposit + AVD stamp duty HK$2,294,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$221,588
−HK$13,896/mo
▼ 0.25% · 3.875%
HK$228,481
−HK$7,003/mo
Today · 4.125%
HK$235,484
baseline
▲ 0.50% · 4.625%
HK$249,812
+HK$14,328/mo
Deposit HK$5.40M · loan HK$48.59M · min. income ≈ HK$470,968/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$2,294,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$246,514
−HK$13,319/mo
▼ 0.25% · 3.875%
HK$253,126
−HK$6,707/mo
Today · 4.125%
HK$259,833
baseline
▲ 0.50% · 4.625%
HK$273,529
+HK$13,696/mo
Deposit HK$5.40M · loan HK$48.59M · min. income ≈ HK$519,666/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$2,294,452 · Scale 2, in force from 26 Feb 2026)