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$111,043
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$114,497
−HK$3,510/mo
Today · 4.125%
HK$118,007
baseline
▲ 0.50% · 4.625%
HK$125,187
+HK$7,180/mo
Deposit HK$24.35M · loan HK$24.35M · min. income ≈ HK$236,014/mo (50% DSR)
Upfront cash ≈ HK$26.42M (deposit + AVD stamp duty HK$2,069,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,535
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$126,848
−HK$3,361/mo
Today · 4.125%
HK$130,209
baseline
▲ 0.50% · 4.625%
HK$137,072
+HK$6,863/mo
Deposit HK$24.35M · loan HK$24.35M · min. income ≈ HK$260,418/mo (50% DSR)
Upfront cash ≈ HK$26.42M (deposit + AVD stamp duty HK$2,069,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,252
−HK$8,356/mo
▼ 0.25% · 3.875%
HK$137,397
−HK$4,211/mo
Today · 4.125%
HK$141,608
baseline
▲ 0.50% · 4.625%
HK$150,225
+HK$8,617/mo
Deposit HK$19.48M · loan HK$29.22M · min. income ≈ HK$283,216/mo (50% DSR)
Upfront cash ≈ HK$21.55M (deposit + AVD stamp duty HK$2,069,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,242
−HK$8,009/mo
▼ 0.25% · 3.875%
HK$152,217
−HK$4,034/mo
Today · 4.125%
HK$156,251
baseline
▲ 0.50% · 4.625%
HK$164,487
+HK$8,236/mo
Deposit HK$19.48M · loan HK$29.22M · min. income ≈ HK$312,502/mo (50% DSR)
Upfront cash ≈ HK$21.55M (deposit + AVD stamp duty HK$2,069,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,461
−HK$9,748/mo
▼ 0.25% · 3.875%
HK$160,296
−HK$4,913/mo
Today · 4.125%
HK$165,209
baseline
▲ 0.50% · 4.625%
HK$175,262
+HK$10,053/mo
Deposit HK$14.61M · loan HK$34.09M · min. income ≈ HK$330,418/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$2,069,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$172,948
−HK$9,344/mo
▼ 0.25% · 3.875%
HK$177,587
−HK$4,705/mo
Today · 4.125%
HK$182,292
baseline
▲ 0.50% · 4.625%
HK$191,901
+HK$9,609/mo
Deposit HK$14.61M · loan HK$34.09M · min. income ≈ HK$364,584/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$2,069,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,878
−HK$12,534/mo
▼ 0.25% · 3.875%
HK$206,095
−HK$6,317/mo
Today · 4.125%
HK$212,412
baseline
▲ 0.50% · 4.625%
HK$225,337
+HK$12,925/mo
Deposit HK$4.87M · loan HK$43.83M · min. income ≈ HK$424,824/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$2,069,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$222,362
−HK$12,014/mo
▼ 0.25% · 3.875%
HK$228,326
−HK$6,050/mo
Today · 4.125%
HK$234,376
baseline
▲ 0.50% · 4.625%
HK$246,730
+HK$12,354/mo
Deposit HK$4.87M · loan HK$43.83M · min. income ≈ HK$468,752/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$2,069,655 · Scale 2, in force from 26 Feb 2026)