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$113,492
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$117,023
−HK$3,586/mo
Today · 4.125%
HK$120,609
baseline
▲ 0.50% · 4.625%
HK$127,948
+HK$7,339/mo
Deposit HK$24.89M · loan HK$24.89M · min. income ≈ HK$241,218/mo (50% DSR)
Upfront cash ≈ HK$27.00M (deposit + AVD stamp duty HK$2,115,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,259
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$129,645
−HK$3,435/mo
Today · 4.125%
HK$133,080
baseline
▲ 0.50% · 4.625%
HK$140,095
+HK$7,015/mo
Deposit HK$24.89M · loan HK$24.89M · min. income ≈ HK$266,160/mo (50% DSR)
Upfront cash ≈ HK$27.00M (deposit + AVD stamp duty HK$2,115,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,191
−HK$8,540/mo
▼ 0.25% · 3.875%
HK$140,427
−HK$4,304/mo
Today · 4.125%
HK$144,731
baseline
▲ 0.50% · 4.625%
HK$153,538
+HK$8,807/mo
Deposit HK$19.91M · loan HK$29.86M · min. income ≈ HK$289,462/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$2,115,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,511
−HK$8,185/mo
▼ 0.25% · 3.875%
HK$155,574
−HK$4,122/mo
Today · 4.125%
HK$159,696
baseline
▲ 0.50% · 4.625%
HK$168,114
+HK$8,418/mo
Deposit HK$19.91M · loan HK$29.86M · min. income ≈ HK$319,392/mo (50% DSR)
Upfront cash ≈ HK$22.02M (deposit + AVD stamp duty HK$2,115,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,889
−HK$9,964/mo
▼ 0.25% · 3.875%
HK$163,832
−HK$5,021/mo
Today · 4.125%
HK$168,853
baseline
▲ 0.50% · 4.625%
HK$179,127
+HK$10,274/mo
Deposit HK$14.93M · loan HK$34.84M · min. income ≈ HK$337,706/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$2,115,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$176,763
−HK$9,550/mo
▼ 0.25% · 3.875%
HK$181,503
−HK$4,810/mo
Today · 4.125%
HK$186,313
baseline
▲ 0.50% · 4.625%
HK$196,133
+HK$9,820/mo
Deposit HK$14.93M · loan HK$34.84M · min. income ≈ HK$372,626/mo (50% DSR)
Upfront cash ≈ HK$17.05M (deposit + AVD stamp duty HK$2,115,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$204,286
−HK$12,811/mo
▼ 0.25% · 3.875%
HK$210,641
−HK$6,456/mo
Today · 4.125%
HK$217,097
baseline
▲ 0.50% · 4.625%
HK$230,306
+HK$13,209/mo
Deposit HK$4.98M · loan HK$44.79M · min. income ≈ HK$434,194/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$2,115,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$227,266
−HK$12,279/mo
▼ 0.25% · 3.875%
HK$233,361
−HK$6,184/mo
Today · 4.125%
HK$239,545
baseline
▲ 0.50% · 4.625%
HK$252,171
+HK$12,626/mo
Deposit HK$4.98M · loan HK$44.79M · min. income ≈ HK$479,090/mo (50% DSR)
Upfront cash ≈ HK$7.09M (deposit + AVD stamp duty HK$2,115,298 · Scale 2, in force from 26 Feb 2026)