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$119,754
−HK$7,509/mo
▼ 0.25% · 3.875%
HK$123,479
−HK$3,784/mo
Today · 4.125%
HK$127,263
baseline
▲ 0.50% · 4.625%
HK$135,007
+HK$7,744/mo
Deposit HK$26.26M · loan HK$26.26M · min. income ≈ HK$254,526/mo (50% DSR)
Upfront cash ≈ HK$28.49M (deposit + AVD stamp duty HK$2,232,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,225
−HK$7,198/mo
▼ 0.25% · 3.875%
HK$136,798
−HK$3,625/mo
Today · 4.125%
HK$140,423
baseline
▲ 0.50% · 4.625%
HK$147,825
+HK$7,402/mo
Deposit HK$26.26M · loan HK$26.26M · min. income ≈ HK$280,846/mo (50% DSR)
Upfront cash ≈ HK$28.49M (deposit + AVD stamp duty HK$2,232,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,705
−HK$9,011/mo
▼ 0.25% · 3.875%
HK$148,175
−HK$4,541/mo
Today · 4.125%
HK$152,716
baseline
▲ 0.50% · 4.625%
HK$162,009
+HK$9,293/mo
Deposit HK$21.01M · loan HK$31.51M · min. income ≈ HK$305,432/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$2,232,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,870
−HK$8,637/mo
▼ 0.25% · 3.875%
HK$164,158
−HK$4,349/mo
Today · 4.125%
HK$168,507
baseline
▲ 0.50% · 4.625%
HK$177,389
+HK$8,882/mo
Deposit HK$21.01M · loan HK$31.51M · min. income ≈ HK$337,014/mo (50% DSR)
Upfront cash ≈ HK$23.24M (deposit + AVD stamp duty HK$2,232,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$167,655
−HK$10,514/mo
▼ 0.25% · 3.875%
HK$172,870
−HK$5,299/mo
Today · 4.125%
HK$178,169
baseline
▲ 0.50% · 4.625%
HK$189,010
+HK$10,841/mo
Deposit HK$15.76M · loan HK$36.76M · min. income ≈ HK$356,338/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$2,232,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$186,515
−HK$10,077/mo
▼ 0.25% · 3.875%
HK$191,517
−HK$5,075/mo
Today · 4.125%
HK$196,592
baseline
▲ 0.50% · 4.625%
HK$206,954
+HK$10,362/mo
Deposit HK$15.76M · loan HK$36.76M · min. income ≈ HK$393,184/mo (50% DSR)
Upfront cash ≈ HK$17.99M (deposit + AVD stamp duty HK$2,232,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$215,557
−HK$13,517/mo
▼ 0.25% · 3.875%
HK$222,262
−HK$6,812/mo
Today · 4.125%
HK$229,074
baseline
▲ 0.50% · 4.625%
HK$243,013
+HK$13,939/mo
Deposit HK$5.25M · loan HK$47.27M · min. income ≈ HK$458,148/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,232,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$239,805
−HK$12,956/mo
▼ 0.25% · 3.875%
HK$246,236
−HK$6,525/mo
Today · 4.125%
HK$252,761
baseline
▲ 0.50% · 4.625%
HK$266,084
+HK$13,323/mo
Deposit HK$5.25M · loan HK$47.27M · min. income ≈ HK$505,522/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$2,232,002 · Scale 2, in force from 26 Feb 2026)