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$116,681
−HK$7,317/mo
▼ 0.25% · 3.875%
HK$120,310
−HK$3,688/mo
Today · 4.125%
HK$123,998
baseline
▲ 0.50% · 4.625%
HK$131,543
+HK$7,545/mo
Deposit HK$25.59M · loan HK$25.59M · min. income ≈ HK$247,996/mo (50% DSR)
Upfront cash ≈ HK$27.76M (deposit + AVD stamp duty HK$2,174,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,806
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$133,288
−HK$3,531/mo
Today · 4.125%
HK$136,819
baseline
▲ 0.50% · 4.625%
HK$144,031
+HK$7,212/mo
Deposit HK$25.59M · loan HK$25.59M · min. income ≈ HK$273,638/mo (50% DSR)
Upfront cash ≈ HK$27.76M (deposit + AVD stamp duty HK$2,174,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,017
−HK$8,780/mo
▼ 0.25% · 3.875%
HK$144,372
−HK$4,425/mo
Today · 4.125%
HK$148,797
baseline
▲ 0.50% · 4.625%
HK$157,851
+HK$9,054/mo
Deposit HK$20.47M · loan HK$30.70M · min. income ≈ HK$297,594/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$2,174,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,768
−HK$8,415/mo
▼ 0.25% · 3.875%
HK$159,945
−HK$4,238/mo
Today · 4.125%
HK$164,183
baseline
▲ 0.50% · 4.625%
HK$172,838
+HK$8,655/mo
Deposit HK$20.47M · loan HK$30.70M · min. income ≈ HK$328,366/mo (50% DSR)
Upfront cash ≈ HK$22.64M (deposit + AVD stamp duty HK$2,174,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,353
−HK$10,244/mo
▼ 0.25% · 3.875%
HK$168,435
−HK$5,162/mo
Today · 4.125%
HK$173,597
baseline
▲ 0.50% · 4.625%
HK$184,160
+HK$10,563/mo
Deposit HK$15.35M · loan HK$35.82M · min. income ≈ HK$347,194/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$2,174,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,729
−HK$9,818/mo
▼ 0.25% · 3.875%
HK$186,603
−HK$4,944/mo
Today · 4.125%
HK$191,547
baseline
▲ 0.50% · 4.625%
HK$201,644
+HK$10,097/mo
Deposit HK$15.35M · loan HK$35.82M · min. income ≈ HK$383,094/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$2,174,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$210,026
−HK$13,170/mo
▼ 0.25% · 3.875%
HK$216,559
−HK$6,637/mo
Today · 4.125%
HK$223,196
baseline
▲ 0.50% · 4.625%
HK$236,777
+HK$13,581/mo
Deposit HK$5.12M · loan HK$46.05M · min. income ≈ HK$446,392/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$2,174,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,651
−HK$12,624/mo
▼ 0.25% · 3.875%
HK$239,918
−HK$6,357/mo
Today · 4.125%
HK$246,275
baseline
▲ 0.50% · 4.625%
HK$259,256
+HK$12,981/mo
Deposit HK$5.12M · loan HK$46.05M · min. income ≈ HK$492,550/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$2,174,730 · Scale 2, in force from 26 Feb 2026)