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$122,163
−HK$7,660/mo
▼ 0.25% · 3.875%
HK$125,963
−HK$3,860/mo
Today · 4.125%
HK$129,823
baseline
▲ 0.50% · 4.625%
HK$137,723
+HK$7,900/mo
Deposit HK$26.79M · loan HK$26.79M · min. income ≈ HK$259,646/mo (50% DSR)
Upfront cash ≈ HK$29.06M (deposit + AVD stamp duty HK$2,276,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,905
−HK$7,342/mo
▼ 0.25% · 3.875%
HK$139,550
−HK$3,697/mo
Today · 4.125%
HK$143,247
baseline
▲ 0.50% · 4.625%
HK$150,798
+HK$7,551/mo
Deposit HK$26.79M · loan HK$26.79M · min. income ≈ HK$286,494/mo (50% DSR)
Upfront cash ≈ HK$29.06M (deposit + AVD stamp duty HK$2,276,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,595
−HK$9,193/mo
▼ 0.25% · 3.875%
HK$151,155
−HK$4,633/mo
Today · 4.125%
HK$155,788
baseline
▲ 0.50% · 4.625%
HK$165,267
+HK$9,479/mo
Deposit HK$21.43M · loan HK$32.14M · min. income ≈ HK$311,576/mo (50% DSR)
Upfront cash ≈ HK$23.71M (deposit + AVD stamp duty HK$2,276,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,086
−HK$8,811/mo
▼ 0.25% · 3.875%
HK$167,460
−HK$4,437/mo
Today · 4.125%
HK$171,897
baseline
▲ 0.50% · 4.625%
HK$180,958
+HK$9,061/mo
Deposit HK$21.43M · loan HK$32.14M · min. income ≈ HK$343,794/mo (50% DSR)
Upfront cash ≈ HK$23.71M (deposit + AVD stamp duty HK$2,276,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$171,028
−HK$10,725/mo
▼ 0.25% · 3.875%
HK$176,348
−HK$5,405/mo
Today · 4.125%
HK$181,753
baseline
▲ 0.50% · 4.625%
HK$192,812
+HK$11,059/mo
Deposit HK$16.07M · loan HK$37.50M · min. income ≈ HK$363,506/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$2,276,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$190,267
−HK$10,279/mo
▼ 0.25% · 3.875%
HK$195,369
−HK$5,177/mo
Today · 4.125%
HK$200,546
baseline
▲ 0.50% · 4.625%
HK$211,117
+HK$10,571/mo
Deposit HK$16.07M · loan HK$37.50M · min. income ≈ HK$401,092/mo (50% DSR)
Upfront cash ≈ HK$18.35M (deposit + AVD stamp duty HK$2,276,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$219,893
−HK$13,789/mo
▼ 0.25% · 3.875%
HK$226,733
−HK$6,949/mo
Today · 4.125%
HK$233,682
baseline
▲ 0.50% · 4.625%
HK$247,901
+HK$14,219/mo
Deposit HK$5.36M · loan HK$48.22M · min. income ≈ HK$467,364/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$2,276,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$244,628
−HK$13,217/mo
▼ 0.25% · 3.875%
HK$251,189
−HK$6,656/mo
Today · 4.125%
HK$257,845
baseline
▲ 0.50% · 4.625%
HK$271,436
+HK$13,591/mo
Deposit HK$5.36M · loan HK$48.22M · min. income ≈ HK$515,690/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$2,276,899 · Scale 2, in force from 26 Feb 2026)