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$123,955
−HK$7,773/mo
▼ 0.25% · 3.875%
HK$127,811
−HK$3,917/mo
Today · 4.125%
HK$131,728
baseline
▲ 0.50% · 4.625%
HK$139,744
+HK$8,016/mo
Deposit HK$27.18M · loan HK$27.18M · min. income ≈ HK$263,456/mo (50% DSR)
Upfront cash ≈ HK$29.49M (deposit + AVD stamp duty HK$2,310,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,899
−HK$7,450/mo
▼ 0.25% · 3.875%
HK$141,597
−HK$3,752/mo
Today · 4.125%
HK$145,349
baseline
▲ 0.50% · 4.625%
HK$153,011
+HK$7,662/mo
Deposit HK$27.18M · loan HK$27.18M · min. income ≈ HK$290,698/mo (50% DSR)
Upfront cash ≈ HK$29.49M (deposit + AVD stamp duty HK$2,310,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,746
−HK$9,328/mo
▼ 0.25% · 3.875%
HK$153,373
−HK$4,701/mo
Today · 4.125%
HK$158,074
baseline
▲ 0.50% · 4.625%
HK$167,692
+HK$9,618/mo
Deposit HK$21.74M · loan HK$32.62M · min. income ≈ HK$316,148/mo (50% DSR)
Upfront cash ≈ HK$24.05M (deposit + AVD stamp duty HK$2,310,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,479
−HK$8,940/mo
▼ 0.25% · 3.875%
HK$169,917
−HK$4,502/mo
Today · 4.125%
HK$174,419
baseline
▲ 0.50% · 4.625%
HK$183,613
+HK$9,194/mo
Deposit HK$21.74M · loan HK$32.62M · min. income ≈ HK$348,838/mo (50% DSR)
Upfront cash ≈ HK$24.05M (deposit + AVD stamp duty HK$2,310,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,537
−HK$10,883/mo
▼ 0.25% · 3.875%
HK$178,935
−HK$5,485/mo
Today · 4.125%
HK$184,420
baseline
▲ 0.50% · 4.625%
HK$195,641
+HK$11,221/mo
Deposit HK$16.31M · loan HK$38.05M · min. income ≈ HK$368,840/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$2,310,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$193,058
−HK$10,431/mo
▼ 0.25% · 3.875%
HK$198,236
−HK$5,253/mo
Today · 4.125%
HK$203,489
baseline
▲ 0.50% · 4.625%
HK$214,215
+HK$10,726/mo
Deposit HK$16.31M · loan HK$38.05M · min. income ≈ HK$406,978/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$2,310,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,119
−HK$13,992/mo
▼ 0.25% · 3.875%
HK$230,060
−HK$7,051/mo
Today · 4.125%
HK$237,111
baseline
▲ 0.50% · 4.625%
HK$251,538
+HK$14,427/mo
Deposit HK$5.44M · loan HK$48.92M · min. income ≈ HK$474,222/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,310,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$248,218
−HK$13,410/mo
▼ 0.25% · 3.875%
HK$254,875
−HK$6,753/mo
Today · 4.125%
HK$261,628
baseline
▲ 0.50% · 4.625%
HK$275,419
+HK$13,791/mo
Deposit HK$5.44M · loan HK$48.92M · min. income ≈ HK$523,256/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$2,310,308 · Scale 2, in force from 26 Feb 2026)