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$121,938
−HK$7,647/mo
▼ 0.25% · 3.875%
HK$125,731
−HK$3,854/mo
Today · 4.125%
HK$129,585
baseline
▲ 0.50% · 4.625%
HK$137,470
+HK$7,885/mo
Deposit HK$26.74M · loan HK$26.74M · min. income ≈ HK$259,170/mo (50% DSR)
Upfront cash ≈ HK$29.01M (deposit + AVD stamp duty HK$2,272,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,655
−HK$7,329/mo
▼ 0.25% · 3.875%
HK$139,293
−HK$3,691/mo
Today · 4.125%
HK$142,984
baseline
▲ 0.50% · 4.625%
HK$150,521
+HK$7,537/mo
Deposit HK$26.74M · loan HK$26.74M · min. income ≈ HK$285,968/mo (50% DSR)
Upfront cash ≈ HK$29.01M (deposit + AVD stamp duty HK$2,272,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,326
−HK$9,176/mo
▼ 0.25% · 3.875%
HK$150,877
−HK$4,625/mo
Today · 4.125%
HK$155,502
baseline
▲ 0.50% · 4.625%
HK$164,964
+HK$9,462/mo
Deposit HK$21.39M · loan HK$32.09M · min. income ≈ HK$311,004/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$2,272,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,786
−HK$8,795/mo
▼ 0.25% · 3.875%
HK$167,152
−HK$4,429/mo
Today · 4.125%
HK$171,581
baseline
▲ 0.50% · 4.625%
HK$180,625
+HK$9,044/mo
Deposit HK$21.39M · loan HK$32.09M · min. income ≈ HK$343,162/mo (50% DSR)
Upfront cash ≈ HK$23.66M (deposit + AVD stamp duty HK$2,272,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,714
−HK$10,705/mo
▼ 0.25% · 3.875%
HK$176,024
−HK$5,395/mo
Today · 4.125%
HK$181,419
baseline
▲ 0.50% · 4.625%
HK$192,458
+HK$11,039/mo
Deposit HK$16.04M · loan HK$37.43M · min. income ≈ HK$362,838/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$2,272,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,917
−HK$10,261/mo
▼ 0.25% · 3.875%
HK$195,011
−HK$5,167/mo
Today · 4.125%
HK$200,178
baseline
▲ 0.50% · 4.625%
HK$210,729
+HK$10,551/mo
Deposit HK$16.04M · loan HK$37.43M · min. income ≈ HK$400,356/mo (50% DSR)
Upfront cash ≈ HK$18.32M (deposit + AVD stamp duty HK$2,272,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,489
−HK$13,764/mo
▼ 0.25% · 3.875%
HK$226,316
−HK$6,937/mo
Today · 4.125%
HK$233,253
baseline
▲ 0.50% · 4.625%
HK$247,446
+HK$14,193/mo
Deposit HK$5.35M · loan HK$48.13M · min. income ≈ HK$466,506/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$2,272,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,179
−HK$13,192/mo
▼ 0.25% · 3.875%
HK$250,728
−HK$6,643/mo
Today · 4.125%
HK$257,371
baseline
▲ 0.50% · 4.625%
HK$270,938
+HK$13,567/mo
Deposit HK$5.35M · loan HK$48.13M · min. income ≈ HK$514,742/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$2,272,716 · Scale 2, in force from 26 Feb 2026)