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$121,886
−HK$7,643/mo
▼ 0.25% · 3.875%
HK$125,677
−HK$3,852/mo
Today · 4.125%
HK$129,529
baseline
▲ 0.50% · 4.625%
HK$137,411
+HK$7,882/mo
Deposit HK$26.73M · loan HK$26.73M · min. income ≈ HK$259,058/mo (50% DSR)
Upfront cash ≈ HK$29.00M (deposit + AVD stamp duty HK$2,271,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,597
−HK$7,326/mo
▼ 0.25% · 3.875%
HK$139,233
−HK$3,690/mo
Today · 4.125%
HK$142,923
baseline
▲ 0.50% · 4.625%
HK$150,456
+HK$7,533/mo
Deposit HK$26.73M · loan HK$26.73M · min. income ≈ HK$285,846/mo (50% DSR)
Upfront cash ≈ HK$29.00M (deposit + AVD stamp duty HK$2,271,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,263
−HK$9,172/mo
▼ 0.25% · 3.875%
HK$150,813
−HK$4,622/mo
Today · 4.125%
HK$155,435
baseline
▲ 0.50% · 4.625%
HK$164,893
+HK$9,458/mo
Deposit HK$21.38M · loan HK$32.07M · min. income ≈ HK$310,870/mo (50% DSR)
Upfront cash ≈ HK$23.65M (deposit + AVD stamp duty HK$2,271,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,716
−HK$8,791/mo
▼ 0.25% · 3.875%
HK$167,080
−HK$4,427/mo
Today · 4.125%
HK$171,507
baseline
▲ 0.50% · 4.625%
HK$180,547
+HK$9,040/mo
Deposit HK$21.38M · loan HK$32.07M · min. income ≈ HK$343,014/mo (50% DSR)
Upfront cash ≈ HK$23.65M (deposit + AVD stamp duty HK$2,271,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$170,640
−HK$10,701/mo
▼ 0.25% · 3.875%
HK$175,948
−HK$5,393/mo
Today · 4.125%
HK$181,341
baseline
▲ 0.50% · 4.625%
HK$192,375
+HK$11,034/mo
Deposit HK$16.04M · loan HK$37.42M · min. income ≈ HK$362,682/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$2,271,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$189,835
−HK$10,257/mo
▼ 0.25% · 3.875%
HK$194,927
−HK$5,165/mo
Today · 4.125%
HK$200,092
baseline
▲ 0.50% · 4.625%
HK$210,639
+HK$10,547/mo
Deposit HK$16.04M · loan HK$37.42M · min. income ≈ HK$400,184/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$2,271,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,394
−HK$13,758/mo
▼ 0.25% · 3.875%
HK$226,219
−HK$6,933/mo
Today · 4.125%
HK$233,152
baseline
▲ 0.50% · 4.625%
HK$247,339
+HK$14,187/mo
Deposit HK$5.35M · loan HK$48.11M · min. income ≈ HK$466,304/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$2,271,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,074
−HK$13,187/mo
▼ 0.25% · 3.875%
HK$250,620
−HK$6,641/mo
Today · 4.125%
HK$257,261
baseline
▲ 0.50% · 4.625%
HK$270,821
+HK$13,560/mo
Deposit HK$5.35M · loan HK$48.11M · min. income ≈ HK$514,522/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$2,271,739 · Scale 2, in force from 26 Feb 2026)