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$120,332
−HK$7,546/mo
▼ 0.25% · 3.875%
HK$124,075
−HK$3,803/mo
Today · 4.125%
HK$127,878
baseline
▲ 0.50% · 4.625%
HK$135,659
+HK$7,781/mo
Deposit HK$26.39M · loan HK$26.39M · min. income ≈ HK$255,756/mo (50% DSR)
Upfront cash ≈ HK$28.63M (deposit + AVD stamp duty HK$2,242,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,869
−HK$7,232/mo
▼ 0.25% · 3.875%
HK$137,459
−HK$3,642/mo
Today · 4.125%
HK$141,101
baseline
▲ 0.50% · 4.625%
HK$148,539
+HK$7,438/mo
Deposit HK$26.39M · loan HK$26.39M · min. income ≈ HK$282,202/mo (50% DSR)
Upfront cash ≈ HK$28.63M (deposit + AVD stamp duty HK$2,242,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,399
−HK$9,055/mo
▼ 0.25% · 3.875%
HK$148,890
−HK$4,564/mo
Today · 4.125%
HK$153,454
baseline
▲ 0.50% · 4.625%
HK$162,791
+HK$9,337/mo
Deposit HK$21.11M · loan HK$31.66M · min. income ≈ HK$306,908/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$2,242,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,642
−HK$8,679/mo
▼ 0.25% · 3.875%
HK$164,951
−HK$4,370/mo
Today · 4.125%
HK$169,321
baseline
▲ 0.50% · 4.625%
HK$178,246
+HK$8,925/mo
Deposit HK$21.11M · loan HK$31.66M · min. income ≈ HK$338,642/mo (50% DSR)
Upfront cash ≈ HK$23.35M (deposit + AVD stamp duty HK$2,242,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$168,465
−HK$10,565/mo
▼ 0.25% · 3.875%
HK$173,706
−HK$5,324/mo
Today · 4.125%
HK$179,030
baseline
▲ 0.50% · 4.625%
HK$189,923
+HK$10,893/mo
Deposit HK$15.83M · loan HK$36.94M · min. income ≈ HK$358,060/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$2,242,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$187,416
−HK$10,125/mo
▼ 0.25% · 3.875%
HK$192,442
−HK$5,099/mo
Today · 4.125%
HK$197,541
baseline
▲ 0.50% · 4.625%
HK$207,954
+HK$10,413/mo
Deposit HK$15.83M · loan HK$36.94M · min. income ≈ HK$395,082/mo (50% DSR)
Upfront cash ≈ HK$18.07M (deposit + AVD stamp duty HK$2,242,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$216,598
−HK$13,583/mo
▼ 0.25% · 3.875%
HK$223,336
−HK$6,845/mo
Today · 4.125%
HK$230,181
baseline
▲ 0.50% · 4.625%
HK$244,187
+HK$14,006/mo
Deposit HK$5.28M · loan HK$47.49M · min. income ≈ HK$460,362/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,242,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$240,963
−HK$13,019/mo
▼ 0.25% · 3.875%
HK$247,426
−HK$6,556/mo
Today · 4.125%
HK$253,982
baseline
▲ 0.50% · 4.625%
HK$267,370
+HK$13,388/mo
Deposit HK$5.28M · loan HK$47.49M · min. income ≈ HK$507,964/mo (50% DSR)
Upfront cash ≈ HK$7.52M (deposit + AVD stamp duty HK$2,242,786 · Scale 2, in force from 26 Feb 2026)