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$109,380
−HK$6,860/mo
▼ 0.25% · 3.875%
HK$112,783
−HK$3,457/mo
Today · 4.125%
HK$116,240
baseline
▲ 0.50% · 4.625%
HK$123,312
+HK$7,072/mo
Deposit HK$23.98M · loan HK$23.98M · min. income ≈ HK$232,480/mo (50% DSR)
Upfront cash ≈ HK$26.02M (deposit + AVD stamp duty HK$2,038,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,685
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$124,948
−HK$3,311/mo
Today · 4.125%
HK$128,259
baseline
▲ 0.50% · 4.625%
HK$135,020
+HK$6,761/mo
Deposit HK$23.98M · loan HK$23.98M · min. income ≈ HK$256,518/mo (50% DSR)
Upfront cash ≈ HK$26.02M (deposit + AVD stamp duty HK$2,038,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,257
−HK$8,230/mo
▼ 0.25% · 3.875%
HK$135,339
−HK$4,148/mo
Today · 4.125%
HK$139,487
baseline
▲ 0.50% · 4.625%
HK$147,975
+HK$8,488/mo
Deposit HK$19.19M · loan HK$28.78M · min. income ≈ HK$278,974/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$2,038,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,022
−HK$7,889/mo
▼ 0.25% · 3.875%
HK$149,938
−HK$3,973/mo
Today · 4.125%
HK$153,911
baseline
▲ 0.50% · 4.625%
HK$162,023
+HK$8,112/mo
Deposit HK$19.19M · loan HK$28.78M · min. income ≈ HK$307,822/mo (50% DSR)
Upfront cash ≈ HK$21.23M (deposit + AVD stamp duty HK$2,038,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,133
−HK$9,602/mo
▼ 0.25% · 3.875%
HK$157,896
−HK$4,839/mo
Today · 4.125%
HK$162,735
baseline
▲ 0.50% · 4.625%
HK$172,637
+HK$9,902/mo
Deposit HK$14.39M · loan HK$33.58M · min. income ≈ HK$325,470/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$2,038,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,358
−HK$9,204/mo
▼ 0.25% · 3.875%
HK$174,927
−HK$4,635/mo
Today · 4.125%
HK$179,562
baseline
▲ 0.50% · 4.625%
HK$189,027
+HK$9,465/mo
Deposit HK$14.39M · loan HK$33.58M · min. income ≈ HK$359,124/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$2,038,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$196,885
−HK$12,346/mo
▼ 0.25% · 3.875%
HK$203,009
−HK$6,222/mo
Today · 4.125%
HK$209,231
baseline
▲ 0.50% · 4.625%
HK$221,962
+HK$12,731/mo
Deposit HK$4.80M · loan HK$43.17M · min. income ≈ HK$418,462/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,038,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,032
−HK$11,834/mo
▼ 0.25% · 3.875%
HK$224,907
−HK$5,959/mo
Today · 4.125%
HK$230,866
baseline
▲ 0.50% · 4.625%
HK$243,035
+HK$12,169/mo
Deposit HK$4.80M · loan HK$43.17M · min. income ≈ HK$461,732/mo (50% DSR)
Upfront cash ≈ HK$6.84M (deposit + AVD stamp duty HK$2,038,661 · Scale 2, in force from 26 Feb 2026)