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$126,990
−HK$7,964/mo
▼ 0.25% · 3.875%
HK$130,940
−HK$4,014/mo
Today · 4.125%
HK$134,954
baseline
▲ 0.50% · 4.625%
HK$143,165
+HK$8,211/mo
Deposit HK$27.85M · loan HK$27.85M · min. income ≈ HK$269,908/mo (50% DSR)
Upfront cash ≈ HK$30.21M (deposit + AVD stamp duty HK$2,366,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,275
−HK$7,633/mo
▼ 0.25% · 3.875%
HK$145,064
−HK$3,844/mo
Today · 4.125%
HK$148,908
baseline
▲ 0.50% · 4.625%
HK$156,757
+HK$7,849/mo
Deposit HK$27.85M · loan HK$27.85M · min. income ≈ HK$297,816/mo (50% DSR)
Upfront cash ≈ HK$30.21M (deposit + AVD stamp duty HK$2,366,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,388
−HK$9,556/mo
▼ 0.25% · 3.875%
HK$157,128
−HK$4,816/mo
Today · 4.125%
HK$161,944
baseline
▲ 0.50% · 4.625%
HK$171,798
+HK$9,854/mo
Deposit HK$22.28M · loan HK$33.41M · min. income ≈ HK$323,888/mo (50% DSR)
Upfront cash ≈ HK$24.64M (deposit + AVD stamp duty HK$2,366,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,530
−HK$9,160/mo
▼ 0.25% · 3.875%
HK$174,077
−HK$4,613/mo
Today · 4.125%
HK$178,690
baseline
▲ 0.50% · 4.625%
HK$188,109
+HK$9,419/mo
Deposit HK$22.28M · loan HK$33.41M · min. income ≈ HK$357,380/mo (50% DSR)
Upfront cash ≈ HK$24.64M (deposit + AVD stamp duty HK$2,366,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$177,786
−HK$11,149/mo
▼ 0.25% · 3.875%
HK$183,316
−HK$5,619/mo
Today · 4.125%
HK$188,935
baseline
▲ 0.50% · 4.625%
HK$200,431
+HK$11,496/mo
Deposit HK$16.71M · loan HK$38.98M · min. income ≈ HK$377,870/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$2,366,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$197,785
−HK$10,686/mo
▼ 0.25% · 3.875%
HK$203,090
−HK$5,381/mo
Today · 4.125%
HK$208,471
baseline
▲ 0.50% · 4.625%
HK$219,460
+HK$10,989/mo
Deposit HK$16.71M · loan HK$38.98M · min. income ≈ HK$416,942/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$2,366,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$228,582
−HK$14,334/mo
▼ 0.25% · 3.875%
HK$235,693
−HK$7,223/mo
Today · 4.125%
HK$242,916
baseline
▲ 0.50% · 4.625%
HK$257,697
+HK$14,781/mo
Deposit HK$5.57M · loan HK$50.12M · min. income ≈ HK$485,832/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$2,366,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$254,296
−HK$13,738/mo
▼ 0.25% · 3.875%
HK$261,116
−HK$6,918/mo
Today · 4.125%
HK$268,034
baseline
▲ 0.50% · 4.625%
HK$282,163
+HK$14,129/mo
Deposit HK$5.57M · loan HK$50.12M · min. income ≈ HK$536,068/mo (50% DSR)
Upfront cash ≈ HK$7.94M (deposit + AVD stamp duty HK$2,366,876 · Scale 2, in force from 26 Feb 2026)